ASPCA Pet Health Insurance vs. Trupanion

With Trupanion’s plan, exam fees are not covered, even if the condition is otherwise eligible for coverage. Trupanion also does not offer wellness coverage. With our Complete CoverageSM, exam fees—including specialist and emergency exams—are covered. We also offer three preventive care coverage options to help you provide your pet’s annual exams, vaccines and flea/tick medication.


Example Monthly Cost*

Complete CoverageSM
$10,000 Annual Limit:
$42.54Single Plan:

ReimbursementChoice of 90%, 80% or
70% of covered vet costs90% of covered vet costs, minus exam fees

Unlimited Plan AvailableYesYes

Type of DeductibleAnnualIncident

Illness Waiting Period14 Days30 Days

Accident Waiting PeriodNone5 Days

Preventive CareOptional add-onNo


Exam FeesYesNo

Lab Tests, X-rays, Hospitalization, Surgery, Diagnostics, etc.YesYes

Prescription MedicationsYesYes

Hereditary and Congenital ConditionsYesYes

Alternative TherapiesYesOptional add-on

Behavioral IssuesYesOptional add-on

Dental IllnessesYesYes

Chronic ConditionsYesYes


Stem Cell TreatmentsYesOptional add-on

Prescription Food & Supplements
To treat a covered condition (not for general maintenance or weight management)Yes, with no separate reimbursement percentage or time limitYes, up to 50% of the cost for up to 2 months


No Vaccination Requirements for Coverage of Certain ConditionsYesNo

Multiple Pet Discount10% for each additional petNo

Age Limits for Illness Coverage Enrollment

This is the age at which illness coverage is no longer available for new enrollments. Typically, a pet’s plan won’t be cancelled because of age.

NoneDogs: 14
Cats: 14

All Pets Eligible, Regardless of HealthYesYes

Accident-Only Plan Available for All PetsYesNo

Money Back Guarantee30 Days30 Days

ExperienceThe agency that provides ASPCA Pet Health Insurance was founded in 1997.Trupanion started selling plans in the US in 2008.

Better Business Bureau RatingA+A+