Every pet insurance company has its own benefits and particular policies that make it unique. And it’s up to you – the mere human – to spot those differences. Furr-tunately, we’re about to dive into all your pet-related worries and help you make the purr-fect decision!
For today’s meal, we have Trupanion vs Pets Best – yet another duel that puzzles clients when they need a backup for their little beastie’s lives.
Trupanion vs Pets Best Summarized
Trupanion is Ideal Choice For:
Pet owners who prioritize comprehensive coverage, are willing to pay higher premiums, and want the option to have claims paid while at the vet’s office.
Pets Best Insurance is Best Choice for:
Pet owners seeking customizable plans, shorter waiting periods, wellness coverage, and options for senior pets.
Trupanion has a straightforward plan
Pets Best has a promising and reliable history.
General Comparison of Trupanion and Pets Best Pet Insurance
|Coverage||Trupanion offers one accident and illness plan with several add-on packages available. Claims can be paid while you and your pet are still at the vet's office, with no need to pay the bill and submit it for reimbursement.||Offers three levels of accident and illness coverage: Essential, Plus, and Elite. Also provides wellness coverage add-ons.|
|Annual Cap||Unlimited||$5,000 or unlimited|
|Deductible Options||Set per condition, anywhere from $0 to $1,000||$50, $100, $200, $250, $500, $1,000|
|Reimbursement Levels||90%||70%, 80%, and 90%|
|Waiting Periods||Five days for accidents and 30 days for illnesses||Three days for accidents and 14 days for illnesses|
|Wellness Coverage||Not available||Two add-on options: EssentialWellness and BestWellness|
|Upper Age Limits||Yes||No|
|Hip Dysplasia Waiting Period||No additional waiting period||No additional waiting period|
|Claim Processing||At the office if the vet is in the Direct Pay program||5 business days|