ASPCA Pet Health Insurance vs. Trupanion
Both Trupanion and ASPCA pet insurance are reputable, highly respected pet insurance brands. Both companies offer excellent accident and illnesses coverage – ASPCA allows you to pick a plan that suits your pet’s needs and your budget, while Trupanion offers one simplified plan that covers everything.
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| Price: | Get a Quote | Get a Quote |
|---|---|---|
| Overall Rating: | ||
| Total Reviews: | 8,347 | 9,596 |
| Deductible: | $100, $250, or $500 | $0 - $1,000 |
| Reimbursement: | 70% - 90% | 90% |
| Annual Limit: | $2,500 - $10,000 | Unlimited |
| Company Profile: | Company Overview | Company Overview |
| Waiting Period for Accidents: | 15 days | 5 days |
| Waiting Period for Illnesses: | 15 days | 30 days |
| Waiting Period for Orthopedic Coverage: | 15 days | 30 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: | Optional | Excluded |
| Vet Restrictions: | None | None |
Variety vs. Simplicity
ASPCA Pet Health Insurance and Trupanion are two of the most respected providers in America.
ASPCA’s pet insurance plan is underwritten and administered by Crum & Forster, which is a subsidiary of Fairfax Holdings and one of the oldest and most stable insurance underwriters in North America.
Trupanion is a publicly traded company and they do their own underwriting under the American Pet Insurance Company title.
When it comes to coverage, both companies offer excellent accident and illnesses coverage (standard). The biggest differences between the two is that ASPCA offers optional wellness care coverage and ASPCA allows you to choose a reimbursement percentage.
ASPCA Pet Health Insurance
The ASPCA pet insurance brand lets you choose the type of insurance coverage you need the most so that you don’t need to spend extra on coverage you don’t. With ASPCA pet insurance, you can visit any vet in the United States or Canada, and they also offer a 30-day money-back guarantee.
- View the ASPCA general overview
- Deductible: $150 – $500
- Reimbursement: 70% – 90%
- Emergency Care: Included
- Waiting period for accidents/Illnesses: 14 days/14 days
Trupanion Pet Insurance
Trupanion was founded and is run by pet lovers. Since its inception in 2000, it has become one of the fastest growing pet insurance brands in North America. They offer vet direct pay, do not cap coverage with a payment of 90% of your claims, and provide 24/7 customer care.
- View the Trupanion general overview
- Deductible: $0 – $1,000
- Reimbursement: 90%
- Emergency Care: Included
- Waiting period for accidents/Illnesses: 5 days/30 days
Coverage Comparison
Both ASPCA and Trupanion offer plans that cover all accidents and illnesses. However, wellness coverage is not offered as an option with Trupanion, whereas with ASPCA pet insurance it is. Both have no vet restrictions.
Price Comparison
The biggest difference between Trupanion and ASPCA pet insurance is that ASPCA offers optional wellness care coverage and allows you to choose a reimbursement percentage. Trupanion is the only pet insurance company that is publicly traded.
Compare ASPCA Pet Health Insurance
- ASPCA vs. Embrace
- ASPCA vs. FIGO
- ASPCA vs. Healthy Paws
- ASPCA vs. Nationwide
- ASPCA vs. Petco
- ASPCA vs. Petplan
- ASPCA vs. Pets Best
Compare Trupanion
- Trupanion vs. Embrace
- Trupanion vs. FIGO
- Trupanion vs. Healthy Paws
- Trupanion vs. Nationwide
- Trupanion vs. Petco
- Trupanion vs. Petplan
- Trupanion vs. Pets Best
Related Content
ASPCA Pet Insurance Enrollment Requirements
Enrollment Exam Requirements: There are no enrollment exam requirements.
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.