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Trupanion vs. PetFirst Pet Insurance

Trupanion and PetFirst are two of the most respected pet health insurance companies in America. Here is a simple side-by-side comparison chart to help you make a decision.

Trupanion Pet Insurance
PetFirst Pet Insurance
Average Price
 $37 - 57/mo.
$33 - 61/mo.
A.M. Best Rating NR A+
BBB Rating A+ A+
Customer Satisfaction 87% NA
Total Reviews 9,662 reviews NA
Deductible $0 - 1,000
$50 - 500
Reimbursement 90% 70 - 90%
Annual Limit Unlimited
$1k - 10k
Company Profile Trupanion Overview PetFirst Overview
Waiting Period for Accidents 5 days 14 days
Waiting Period for Illnesses 30 days 14 days
Waiting Period for Orthopedic Coverage 30 days
12 mos. for cruciate ligaments
Emergency Care
Cancer Coverage
Orthopedic Issues
Hereditary Conditions
Chronic Conditions
Prescription Meds
Dental - Accidents
Cancer Coverage
Wellness Coverage
X Optional
Vet Restrictions None None


Pet insurance companies do not cover pre-existing conditions


Bottom Line

Trupanion and PetFirst are both great choices for dog and cat owners. The biggest difference between the two is that Trupanion covers accidents and illnesses only while PetFirst offer optional wellness care coverage. Another consideration is that Trupanion has an annual deductible and PetFirst has a per-incident deductible, which is applies each time your pet has a health issue. We recommend annual deductibles in case you have multiple claims in one calendar year.

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