Key Differences
Pets Best's waiting periods are generally shorter, review a sample policy for state specific waiting periods.
Trupanion’s reimbursement rate is fixed at 90%, and Pets Best‘s is configurable up to 90%.
Pets Best’s annual limit is configurable up to unlimited, and Trupanion’s is fixed at unlimited.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Pets Best and Trupanion offer.
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Price: |
Get a Quote | Get a Quote |
Overall Rating: |
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Total Reviews: |
19,362 |
9,216 |
Deductible: |
$50, $100, $200, $250, $500, or $1,000 |
$0 to $1000 |
Reimbursement: |
70%, 80%, or 90% |
90% |
Annual Limit: |
$5,000, $10,000, or Unlimited |
Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
3 days* |
5 days |
Illness Waiting Period: |
14 days |
30 days |
Wellness Waiting Period: |
0 days |
N/A |
Orthopedic Waiting Period: |
6 months |
30 days |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Excluded |
Dental Coverage: |
Limited Coverage |
Included |
Exam Fee Coverage: |
Optional |
No |
Direct Vet Pay: |
Yes |
Yes |
Claims Expiration: |
Within 180 days of treatment |
Within 90 days of treatment |
Claims Submission App: |
No |
No |
Pets Best Accident and Illness Coverage
Pets Best offers an accident and illness plan. You can also configure some coverage options, such as exam fees, to be included or excluded to fit your needs.
Annual Deductible Options
$50, $100, $200, $250, $500, or $1,000
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$5,000, $10,000, or Unlimited
What's Covered
Accidents
Behavioral Issues
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care and Hospitalization
Euthanasia
Hereditary Conditions
Illnesses
Prescription Medications*
Prosthetic Devices and Wheelchairs
Surgery
Review a sample policy for a complete list of coverage and exclusions
*Coverage included with most accident & illness plans. Review a sample policy for a complete list of covered medications.
Optional Routine Care Add-On
Pet’s Best offers two levels of an optional wellness care add-on, EssentialWellness or BestWellness. The main difference between the two is the amount you receive towards annual benefits. For EssentialWellness it’s up to $305 and for BestWellness it’s $535. Here’s what is covered in each level:
EssentialWellness
Pays up to the following limits, per year, with no deductible:
Rabies
Flea/Tick Prevention
Heartworm Prevention
Vaccination/Titer
Wellness Exam
Heartworm test or FELV screen
Blood, fecal, and parasite exam
Microchip
Urinalysis or ERD
Deworming
BestWellness
Pays up to the following limits, per year, with no deductible:
Spay/Neuter — Teeth Cleaning
Rabies
Flea/Tick Prevention
Heartworm Prevention
Vaccination/Titer
Wellness Exam
Heartworm test or FELV screen
Blood, fecal, and parasite exam
Microchip
Urinalysis or ERD
Deworming
Trupanion Accident and Illness Coverage
Trupanion offers an accident and illness plan. While the annual limit and reimbursement rate are fixed, your deductible is configurable. Trupanion does not offer an optional wellness coverage add-on to supplement its pet insurance plan.
Deductible Options
$0 to $1000
Reimbursement Options
90%
Annual Limit Options
Unlimited
What's Covered
Accidents
Cancer Coverage
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care
Hereditary Conditions
Illnesses
Prescription Medications
Prosthetic Devices and Wheelchairs
Surgery
Optional Coverage Add-Ons
Trupanion offers additional coverage you can choose to opt-in for added coverage to your base pet insurance plan.
Recovery And Complementary Care Optional Add-On
If you would like to add more support for covering non-clinical procedures, select this add-on.
Acupuncture
Behavioral modification
Chiropractic
Homeopathy
Hydrotherapy
Naturopathy
Physical therapy
Rehabilitative therapy
Pet Owner Assistance Optional Add-On
If you would like to add more support for covering services and unexpected events outside of the veterinary office, select this add-on.
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
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Pets Best and Trupanion.
Pets Best Claims Details
Pets Best Insurance has an online portal where you can directly submit your claims. Alternatively, you can submit claims via fax, mail, or email with the invoice(s) within 180 days of treatment.
Direct deposit option for receiving reimbursements on eligible conditions
Convenient claim submission on desktop or mobile through a customer portal
Offers direct vet pay
Trupanion Claims Details
Trupanion offers Vet Direct Pay which means they can pay vet bills at checkout wherever it is accepted instead of you having to file a claim. In the case that you do have to file a traditional claim, you can submit them via fax, mail, or email with invoice(s) within 90 days of treatment.
Direct deposit option for receiving reimbursements
Convenient claim submission online
Offers direct vet pay at checkout
Our Pets Best vs. Trupanion Review
Pets Best and Trupanion offer robust coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Pets Best offers an optional wellness coverage add-on but Trupanion does not. As for coverage, Trupanion offers coverage that doesn’t have annual payout caps and both providers offer Direct Vet Pay.
You can configure the deductible of Trupanion’s plan, but the maximum annual limit and reimbursement rate are fixed. Pets Best offers options for annual deductibles, reimbursement rates, and annual limits. Overall, both providers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
