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Trupanion Pet Insurance vs. Pets Best Pet Insurance

Trupanion and Pets Best are two of the oldest and most established pet insurance providers in the U.S. Both companies are highly rated by pet parents and each provides unique coverage options and service that can suit any pet parent’s needs.

Trupanion is the only publicly traded pet insurance provider (ticker symbol TRUP) and has been around since 1999 when it started at Vetinsurance in Canada. Then in 2005 they opened shop in America under the name Trupanion.

Pets Best was founded in 2005 by Dr. Jack Stephens. Dr. Stephens was also the founder of Veterinary Pet Insurance (now Nationwide) and is considered by many to be the founding member of pet health insurance in America.

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Trupanion Pet Insurance Pets Best Insurance
Price: Get a Quote Get a Quote
Overall Rating:
Total Reviews: 7,943 7,645
Deductible: $0 - $1,000 $50 - $1,000
Reimbursement: 90% 70% - 90%
Annual Limit: Unlimited $5,000 - Unlimited
Company Profile: Company Overview Company Overview
Waiting Period for Accidents: 5 days see details/quote
Waiting Period for Illnesses: 30 days 14 days
Waiting Period for Orthopedic Coverage: 30 days 14 days*
Emergency Care: Included Included
Accidents: Included Included
Illnesses: Included Included
Cancer Coverage: Included Included
Orthopedic Issues: Included Included
Hereditary Conditions: Included Included
Chronic Conditions: Included Included
Prescription Meds: Included Included
Wellness Coverage: Excluded Optional
Vet Restrictions: None None


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Trupanion vs. Pets Best

Trupanion and Pets Best sell comprehensive pet insurance policies that make emergency healthcare services more affordable. Compare the companies’ plans and prices to decide which one will work better for you.

Trupanion Details

  • Overall Rating: Trupanion gets a 5-star rating from pet parents.
  • Deductible: Trupanion has deductibles from $0 to $1,000.
  • Reimbursement: Trupanion reimburses 90% of covered vet expenses.
  • Emergency Care: Trupanion has policies that cover emergency care.
  • Waiting Period for Accidents and Illnesses: Trupanion has a 5-day waiting period for accidents and a 30-day waiting period for illnesses.

Pets Best Details

  • Overall Rating: Pet parents give Pets Best 4.1 out of 5 stars.
  • Deductible: Pets Best has deductibles from $50 to $1,000.
  • Reimbursement: Pets Best covers 70% to 90% of covered expenses.
  • Emergency Care: Pets Best covers emergency pet care.
  • Waiting Period for Accidents and Illnesses: 

     All states except Maine:

    • Accidents: 3 days
    • Illnesses: 14 days
    • Cruciate Ligament Conditions: 6 months
    • Routine Care: 0 days
      Maine Only
    • Accidents: 0 days
    • Illnesses: 14 days
    • Cruciate Ligament Conditions: 30 days
    • Routine Care: 0 days

Pet Insurance Coverage From Trupanion and Pets Best

Trupanion pet insurance plans usually cover more costs than policies from Pets Best. Pets Best, however, has much shorter waiting periods that may influence your decision.

Trupanion and Pets Best Prices

Trupanion pet insurance policies usually cost between $59 and $68 per month. The average Pets Bets policy costs between $25 and $43 per month.

The amount that you pay for pet insurance will depend on several factors, like your pet’s age and the level of coverage you want.

Should You Choose Trupanion or Pets Best Pet Insurance?

Get a price quote to help you decide whether Trupanion or Pets Best pet insurance can help your family save more money.

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Trupanion Pet Insurance Enrollment Requirements

Trupanion Enrollment Requirements

You must provide all medical history and records associated with your pet. You also authorize Trupanion to contact any and all veterinary clinics or hospitals in your area to obtain all available medical records that exist for your pet. Trupanion allows pets to enroll from the time of birth to their 14th birthday.

Pets Best Insurance Enrollment Requirements

* 6 month waiting period for cruciate ligaments for all states other than ME where it’s 30 days

Additional Note: Pets must be at least 7 weeks old at the time of enrollment, there is no upper age limit for enrollment