Trupanion vs. AKC Pet Insurance

According to MoneyGeek's analysis, Trupanion offers better pet insurance for cats, while AKC is the better fit for dogs. The right choice between these two providers depends on your pet and the type of financial protection you want.

• Affordability: Trupanion places fifth nationwide for cats, four spots ahead of AKC in this category. For dog insurance, AKC takes the same fifth-place position and edges past Trupanion by one spot.
• Customer Experience: AKC earns third place nationwide for both cats and dogs, putting it two positions ahead of Trupanion for service and claims experience.
• Coverage: AKC holds the top national position for coverage across both cats and dogs. Trupanion follows closely behind, one rank lower in the same category.

See the best insurance options for your pet:

AKC ranks best for dog insurance in all 50 states and beats Trupanion nationwide. For cats, Trupanion wins in 26 states. AKC leads in 24 states.

Our pet insurance cost study found Trupanion costs less for kittens. You'll save 25% compared to AKC. AKC wins for all other age groups. Senior cats see the biggest savings at 62%.

Trupanion has the cheapest pet insurance in all 50 states for kittens. AKC leads across the country for puppies, young dogs and middle-aged to senior pets.

AKC offers two pet insurance discounts. Trupanion has none. AKC is the better option if you value savings. AKC provides a 5% discount when you insure more than one pet and a 10% discount for AKC Breeder of Merit or Bred with H.E.A.R.T. participants.

AKC offers better pet insurance coverage for dogs and cats. AKC leads our national ranking. Trupanion ranks second. Trupanion pays licensed veterinarians directly for covered claims. AKC wins as the only provider to cover both curable and incurable pre-existing conditions after a year of continuous enrollment.

*Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.

Trupanion and AKC both offer optional add-ons beyond base coverage, including breeding coverage. Trupanion's other add-ons focus on therapeutic and rehabilitation support. AKC's cover routine care, exam fees and hereditary conditions.

• Pet wellness coverage: Covers routine care services, such as wellness exams, vaccinations, microchipping, spaying/neutering, routine diagnostic tests, heartworm/flea/tick prevention and teeth cleaning.
• Exam coverage:  Reimburses vet exam fees from specialty vet visits, primary care vet visits and emergency vet visits.
• Hereditary coverage: Provides coverage for hereditary congenital conditions such as heart disease, arthritis, hip dysplasia, luxating patella and diabetes.
• Breeding coverage: Covers accidents, illnesses and complications during breeding, pregnancy, whelping or nursing. This includes emergency C-sections, mastitis, gestational diabetes, eclampsia, dystocia and pyometra.
• Final respects coverage: Provides reimbursement for end-of-life-services such as burial and cremation.

• Recovery and complementary care: Covers rehabilitative therapy, hydrotherapy, chiropractic treatments, acupuncture, and behavioral therapies related to eligible accidents or illnesses.
• Pet owner assistance package: Reimburses additional expenses related to lost pets, boarding, travel or holiday cancellation, third-party property damage caused by your pet, or cremation or burial assistance.
• Breeding: Provides coverage for illnesses and injuries related to breeding, whelping and queening.

AKC is better for dog insurance. It offers lower rates, better customer service and broader coverage. AKC has 86% positive sentiment on Reddit and covers curable and incurable pre-existing conditions after a year of continuous enrollment. Trupanion is ideal for cat insurance, with cheaper rates for kittens and direct vet payment.

Compare other major pet insurance companies to find the best choice:

Compare Trupanion and AKC pet insurance through these common questions: