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Trupanion vs. Petplan Pet Insurance

Trupanion and Petplan are two of the best pet insurance companies in America. Learn More

Trupanion Pet Insurance
Petplan Pet Insurance
Average Price
$37 - 57/mo.
$28 - 57/mo.
A.M. Best Rating NR A
BBB Rating A+ A+
Customer Satisfaction 87% 88%
Total Reviews 9,662 reviews 5,484 reviews
Deductible $0 - 700
$100 - 1,000
Reimbursement 90%
70 - 90%
Annual Limit Unlimited $10,000 - Unlimited
Company Profile Trupanion Overview Petplan Overview
Waiting Period for Accidents 5 days 5 days
Waiting Period for Illnesses 30 days 15 days
Waiting Period for Orthopedic Coverage 5 days for accidents and 30 days for hereditary
6 mos. for cruciate ligaments and patellar luxation
Emergency Care
Cancer Coverage
Orthopedic Issues
Hereditary Conditions
Chronic Conditions
Prescription Meds
Dental - Accidents
Wellness Coverage
Vet Restrictions None None

✓ = Included   O = Optional   X = Excluded

Note: Pet insurance does not cover pre-existing conditions

Trupanion Enrollment Requirements

You agree to provide to us all medical history/records associated with your pet. You authorize us, at the time of enrollment, to contact any and all veterinary clinics or hospitals in your area to obtain all available medical records that exist for your pet.

Petplan Enrollment Requirements

While all applications are subject to underwriting review, medical records are not typically required for enrollment. Based on your pet’s medical history, records may be requested if: your pet is currently taking medication; your pet has had a recent injury or illness; you are re-enrolling your pet with a Petplan policy after there has been a break in coverage.


Trupanion and Petplan are very similar in that both companies only offer major medical coverage. They are both excellent options that you would be very happy with!

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