• trupanion vs. petplan 
    comparison

  • pet-insurance-comparison-guide/petplan-vs-trupanion
Compare Petplan to Trupanion below!

Is the company rated 9 or above by pet parents in independent reviews on PetInsuranceReview.com?

Petplan: Yes 

  • Petplan is consistently rated among the top by pet parents for customer satisfaction. Current Rating: 9.2 out of 10 (2,042 total reviews - May 21, 2014).

Trupanion: Yes 

  • Current Rating: 9.0 out of 10 (2,124 total reviews - May 21, 2014).

Are hereditary and congenital conditions covered as standard on all policies, without additional riders or surcharges?

Petplan: Yes 

  • Policies include coverage for hereditary and congenital conditions as standard with no riders or surcharges.

Trupanion: Yes

  • Policies include coverage for hereditary and congenital conditions as standard.

Are all chronic conditions covered as standard without maximum payout limits?

Petplan: Yes

  • Chronic conditions are covered if they are not pre-existing and have not occurred during the waiting period. 

Trupanion: Yes

  • Chronic conditions are covered if they are not pre-existing and have not occurred during the policy waiting period. 

Are all alternative and holistic therapies covered as standard?

Petplan: Yes 

  • Petplan covers all alternative and holistic therapies as standard, provided these treatments are performed by a licensed veterinarian.

Trupanion: No

  • Not all alternative and holistic therapies are covered as standard. Optional coverage is available for an additional fee; pricing varies.

Are prescription medications covered?

Petplan: Yes 

  • Prescription medications are covered as standard. 

Trupanion: Yes

  • All FDA approved drugs prescribed or dispensed by a veterinarian are covered. Some holistic medications are not covered by the policy.

Does the policy cover my pet's veterinary accident or illness exam fee?

Petplan: Yes

  • Vet exam fees are covered by Petplan policies, including exams performed by specialized vets.

Trupanion: No

  • Policies do not cover the cost of the veterinary exam.


Is the company's underwriter rated?

Petplan: Yes

  • Petplan insurance policies are administered by Fetch Insurance Services, LLC (Fetch Insurance Agency, LLC in Michigan), d/b/a Petplan (Petplan Insurance Agency, LLC in California) and issued by XL Specialty Insurance Company, a member of XL Catlin (rated A+ S&P), and AGCS Marine Insurance Company, a member of the Allianz Group, (rated A+ A.M. Best).

Trupanion: No

  • Trupanion is not backed by a third-party underwriter and their policies are self-underwritten. Trupanion does not have an AM Best rating for financial strength and outlook. 

policies by AGCS Marine Insurance Company, an Allianz company

  • claim calculator
    claim calculator
  • How much could you claim with Petplan?

    Just change the information below to see how much you could claim.
    • Your plan
    • Your deductible
    • Your reimbursement
    • Your vet costs $
    • Your share of the costs:
      $000.00
    • Petplan's reimbursement to you:
      $000.00
    • Coverage remaining in policy period:
      $000.00
  • (full policy limits are reinstated upon renewal)