Petco Pet Insurance vs. Trupanion

Petco and Trupanion are two of the highest rated pet insurance companies in America based on customer reviews. Petco is new to the scene, launching their branded plan in 2020. Trupanion on the other hand has been in the pet insurance business for overs 20 years. See how these two highly rated providers stack up side-by-side in the chart below!


Price:	Get a Quote	Get a Quote
Overall Rating:
Total Reviews:	19	9,596
Deductible:	$100 - $500	$0 - $1,000
Reimbursement:	70% - 90%	90%
Annual Limit:	$5,000 - Unlimited	Unlimited
Company Profile:	Company Overview	Company Overview
Waiting Period for Accidents:	14 days	5 days
Waiting Period for Illnesses:	14 days	30 days
Waiting Period for Orthopedic Coverage:	14 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:	Excluded	Excluded
Vet Restrictions:	None	None

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Coverage Comparison

Both Petco and Trupanion offer one, simple accident and illness plan that covers unexpected injuries and illnesses. So when you compare the two there is not too much difference in coverage but there are a few subtle differences. For example, Trupanion offers a complementary, non-clinical procedures for additional cost. Petco includes these treatments without additional cost.

Recovery and Complementary Care Rider

Acupuncture
Behavioral modification
Chiropractic
Homeopathy
Hydrotherapy
Naturopathy
Physical therapy
Rehabilitative therapy

Trupanion also offers optional coverage for things outside of the vet clinic if your pet gets lost or you have a vacation cancelled. These are health related but you might find valuable.

Pet Owner Assistance Rider

Advertising and reward
Boarding fees in the event you are hospitalized
Liability coverage for third-party property damage
Cremation or burial for deaths due to accident
Holiday vacation cancellation costs

Other Notes

Aside from Trupanion’s Pet Owner Assistance Rider (and assuming you add the Recovery and Complementary Care Rider) both companies offer nearly identical coverage. However, some vet clinics will accept Trupanion direct pay whereas Petco does not have that option yet. But of course that depends on if the vet clinic you visit has opted into Trupanion program.

Regardless, both plans offer excellent accident and illness coverage coupled with world-class customer service. The only thing we would recommend is to get quotes from both companies because every pet insurer prices plans different based on breed, age and zip code. So the best value for your pet might be different than your neighbor if you have different breeds.

Compare More Options

If you’re looking for more options check out these other side-by-side comparisons of Petco and Trupanion.

Compare Petco

Compare Trupanion

Petco Insurance Enrollment Requirements

There are no enrollment requirements. However, when you submit a claim, you authorize us and our administrator to access all medical information that we need to assess your pet’s health. For example, we may ask you for the name and contact information of any veterinarian that has ever seen or treated your pet. You must also provide proof of identity for your pet when we request it.

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.