Which Is Better Suited For Your Needs? – CanineJournal.com

The table below shows what Trupanion and ASPCA Pet Insurance cover.

Note: Both companies cover emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications.

Neither covers pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.

ASPCA Pet Insurance comes out ahead in this category because it offers more coverage and shorter waiting periods. Additionally, its underwriter has an A rating by A.M. Best (a measurement of financial stability). On the flip side, Trupanion’s underwriter is unrated, which may make some uneasy.

Another key deciding factor for you may be the age restrictions attached to Trupanion’s policies, especially if you are looking to insure an older pet. This provider doesn’t enroll pets older than 14 years old.

ASPCA Pet Insurance wins this category with more comprehensive coverage, shorter waiting periods, and no age restrictions.

Trupanion has a history of providing dependable coverage at a consistent price. The company hasn’t experienced any massive changes in years, which shows that you can count on a fairly reliable experience when you sign up for a Trupanion policy.

On the other hand, ASPCA Pet Insurance has many complaints from customers regarding low reimbursements, slow claim processing, conditions flagged as pre-existing, and more. This is frustrating for customers because they purchase a policy expecting certain things to be covered and reimbursed, and they feel disappointed by what they actually get from ASPCA Pet Insurance.

Trupanion promises to pay claims within 60 days but averages 14-day claim processing. A 14-day claim process leans toward a longer claim processing timeline, but it’s still shorter than some competitors. Additionally, Trupanion offers a program called Trupanion Express that will pay participating vets directly, removing the burden for you to pay a hefty vet bill in advance while you wait for reimbursement. But this isn’t available everywhere, so check with your vet first to see if it is an option for you.

On the other hand, ASPCA Pet Insurance averages 15-30 days for claim processing, even longer than Trupanion’s. It also has a program to pay vets directly, but it’s not available at every veterinary office either.

Trupanion requires a one-time enrollment fee of either $0, $25, or $35, depending on the state in which you live, but charges no monthly transaction fees. On the other hand, ASPCA Pet Insurance doesn’t have a one-time sign-up charge but does add a $2 transaction fee each month.

Other significant differences between these two companies include the level of plan customization available and age restrictions.

Trupanion has unlimited payouts and 90% reimbursement for all plans. The only customization available with a Trupanion policy is the option to choose your deductible between $0 to $1,000. (Generally, the higher the deductible, the lower the premium price will be.)

ASPCA Pet Insurance offers many customization options.

• Annual payout options: $3,000, $4,000, $5,000, $7,000, or $10,000
• Deductibles: $100, $250, or $500
• Reimbursement: 70%, 80%, or 90%

Overall, Trupanion has fewer customization options than ASPCA Pet Insurance, which may make it more challenging to fit into your budget. In the end, ASPCA Pet Insurance wins this category.

Overall, Trupanion wins our comparison due to its longstanding customer service reputation and faster claim processing. However, if you want a company with more customization options and lower pricing (potentially), you should consider ASPCA Pet Insurance.