pets best vs. trupanion

Pets Best vs. Trupanion

Pets play a much larger part in our lives than in the past. Many pet owners even take their dogs and cats on vacation. The love of their pets makes them conscious about keeping them healthy. Pet insurance is an option chosen by many pet owners. Although many pet owners feel that pet insurance can be expensive, it’s relatively cheap when compared to veterinarian bills.

Choosing the right pet insurance can be difficult because there are so many pet insurance companies. When choosing pet insurance, pet owners generally consider the following: coverage, cost, claim process, and overall customer satisfaction. To give you a general idea of how pet insurance works, we are providing a Pets Best vs Trupanion comparison to see which company will work best for you and your pet.

Pets Best vs. Trupanion Coverage

Pets Best

  • Pet owners can choose between a policy with no annual cap or a $5,000 annual maximum.
  • Pet Owners can also choose from several deductible amounts, including $50, $100, $200, $250, $500 and $1,000.
  • Pet owners can choose from three reimbursement levels: 70 percent, 80 percent, and 90 percent.
  • The waiting period is three days for accidents and 14 days for illnesses.
  • Pets Best offers wellness coverage as an add-on to the regular pet insurance policy.
  • Pets Best covers examination fees.
  • Pets Best has no limits for older pets.
  • Claims are generally processed within five business days.
  • There is no waiting period for hip dysplasia.
  • Pets Best offers three levels of coverage: Essential, Plus, and Elite.


  • Trupanion has no annual cap on what they’ll pay in a year or over the pet’s lifetime.
  • Trupanion allows you to choose any deductible you want from $0 to $1,000.
  • If your deductible was met with one health condition, you will never have to meet another deductible for that particular health issue.
  • All claims are paid at 90 percent reimbursement.
  • The waiting period is five days for accidents and 30 days for illnesses.
  • Trupanion offers a Recovery and Complementary Care package as an add-on to their basic pet insurance plan.
  • Trupanion offers a Pet Owner Assistance Package that covers your dog for burial, liability coverage for damage done by your pet, boarding fees if you’re in the hospital, and fees requested for finding your lost pet.
  • Trupanion does not cover wellness care or examination fees.
  • Trupanion covers all unexpected illnesses and injuries.
  • Claims may be paid while you and your pet are still at the vet’s office. There is no need to pay the bill and submit it for reimbursement. You can also pay part of the bill and the insurance pays the balance to the vet.
  • Trupanion offers one plan.

Both of these companies offer very good coverage. What one offers, the other doesn’t, and vice versa. They are almost tied in terms of coverage. However, Pets Best does have a shorter waiting period. Both companies are members of NAPHIA, considering the governing body of pet insurance companies.

Coverage Chart

  Trupanion Pets Best
Reimbursement Levels all claims paid at 90% 70%, 80%, 90%
Deductible Options $0 to $1000 $50, $100, $200, $250, $500, $1000
Waiting Period 5 days for accidents and 30 days for illnesses 3 days for accidents, 14 days for illnesses
Wellness Coverage Not covered Add-on
Exam Fees Not covered Covered
Annual Cap None Unlimited or $5,000 based on selection
Claim Processing At office if vet is in Direct Pay program 5 business days
Upper age limits No No
Hip Dysplasia No additional waiting period No additional waiting period

Coverage winner: Pets Best

Both of these companies offer very good coverage. What one offers, the other doesn’t, and vice versa. They are almost tied in terms of coverage. However, Pets Best does have a shorter waiting period, customizable plans, and wellness add-ons.

Sample Quotes/Cost

Here are the results of sample quotes from both companies using the same variables.

Policy one: Four-year-old female German Shepherd

  Pets Best Trupanion
Deductible $200 $200
Reimbursement 90% 90%
Monthly Premium $45.68 $121.72

Policy two: Five-year-old female mixed breed cat

  Pets Best Trupanion
Deductible $200 $200
Reimbursement 90% 90%
Monthly Premium $19.54 $48.84

Trupanion vs. Pets Best Cost

The cost of pet insurance can depend on several factors, such as type of animal, breed, age, and type of coverage. While both of these companies offered options and excellent coverage, Pets Best coverage cost a lot less than Trupanion. At the end of the day, pet owners want to pay as small of an amount as they can while still making sure they get good coverage. You can see from the “Sample Quotes” section, in terms of cost, Pets Best is definitely the winner.

Cost winner: Pets Best

Trupanion vs. Pets Best Claims Coverage

Both companies offer a fast claim process. All you have to do is upload the vet’s bill to the company’s website for reimbursement. Both offer payment within a week. However, Trupanion does offer the option of having them pay the bill immediately or even just part of the bill.

This is very popular with many pet owners because it meant that they don’t have to come up with a large fee on short notice. After all, we can seldom predict our pet is going to become ill or be involved in an accident. Trupanion gets the heads-up in this category.

Claims winner: Trupanion

Trupanion vs. Pets Best Customer Satisfaction

Both companies offer coverage that customers find very satisfactory. They both had great reviews. Customers particularly liked the way Trupanion handles their claims.

It’s very difficult to answer the Pets Best vs Trupanion question because they are both excellent companies. The customizable plans are very popular with pet owners because it allows them to insure their pet at a price they can afford and with coverage their pet needs.

Trupanion offers a higher reimbursement rate and more deductible amounts. Their claim process is more popular than Pets Best, but Pets Best covers exams and wellness while Trupanion does not. While both companies are popular with pet owners Pets Best gets a nod here for the coverage they provide and the overall cost of policies. Today, pet owners want insurance that’s the most affordable.

Both insurance companies have poor reviews on Yelp, but when you consider that happy customers almost never leave reviews, and that when you dig into the reviews more, you find that the pet usually had some sort of pre-existing condition that is blocking coverage, then it makes sense.

Customer Satisfaction Winner: Pets Best

Considering all things, we feel that Pets Best is the winner of the two. While Trupanion has many great features, customers felt that the cost differential between the two was too great.

Overall Winner: Pets Best

Visit the Pets Best Review

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