Trupanion vs. ASPCA Pet Insurance

Trupanion offers better pet insurance coverage than ASPCA for both dogs and cats, ranking second nationally while ASPCA ranks eighth. Research shows Trupanion provides more flexible coverage options and shorter accident waiting periods, though both companies offer similar deductible ranges and reimbursement rates up to 90%.

Trupanion is the best pet insurance company in 48 states for cats and nine states for dogs. ASPCA leads for dog coverage in only Nevada, Oklahoma and South Dakota, with no state leadership for cat insurance.

ASPCA offers more affordable pet insurance than Trupanion across all age groups for both cats and dogs. For middle-aged dogs, ASPCA costs $48 per month compared with Trupanion's $88 per month. Middle-aged cats cost $31 with ASPCA versus $48 with Trupanion.

Learn how much pet insurance costs across different age categories.

ASPCA offers the cheapest pet insurance across all 50 states, consistently beating Trupanion's rates for every pet type and age group. ASPCA provides more affordable coverage for middle-aged dogs and cats nationwide.

Here’s how the pet insurance discounts compare between Trupanion and ASPCA Pet Health Insurance for multi-pet households, employer or association groups, and other savings opportunities.

Trupanion delivers better customer experience than ASPCA, ranking fifth nationally for both dog and cat insurance in our study. ASPCA ranks eleventh, trailing by six positions. Both providers maintain A+ BBB ratings, but Trupanion earns higher customer satisfaction with a 4.2 out of 5.0 Trustpilot score compared to ASPCA's 3.7 rating, showing more consistent positive customer feedback.

ASPCA offers better pet insurance coverage for dogs and cats than Trupanion, ranking sixth nationally while Trupanion ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but ASPCA has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.

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

If you’re looking to extend routine care protection beyond illness and injury, here’s a breakdown of how Trupanion and ASPCA Pet Health Insurance approach optional wellness plans or wellness-style features.

Trupanion focuses primarily on accident and illness coverage with broad limits and high reimbursement, but it does not include traditional wellness or preventive care features in its base policy.

• Wellness/Preventive care coverage: Not included in standard policy (routine vaccines, flea/tick prevention, spay/neuter are excluded).
• Exam-Fee or Wellness-Rider: Not publicly standard; pet parents should check for any optional riders available in their state.
• Go Home Day / Exam Day Offers: Trupanion offers promotional coverage for new pets under certain programmes (e.g., immediate coverage for 30 days) but this is separate from standard add-on structure.

ASPCA offers base illness & accident coverage plus optional preventive-care add-on plans that extend routine wellness benefits.

• Preventive Care plan – Basic: Covers annual exam, certain vaccines, deworming, health screening, with no waiting period for the add-on.
• Preventive Care plan – Prime: Includes everything in Basic plus spay/neuter, dental cleaning, blood tests, [flea/heart-worm prevention], and vaccines with scheduled reimbursement amounts.
• Routine Care Enhancement: Helps pet parents cover costs for wellness visits, parasite prevention, screenings — enabling more comprehensive financial protection for everyday health.

Choosing between Trupanion and ASPCA depends on your priorities for pet insurance. ASPCA offers more affordable coverage, with rates starting at $48 per month for middle-aged dogs and $31 for cats. However, Trupanion delivers better coverage options and superior customer service, earning a 4.2 out of 5.0 Trustpilot rating and A+ BBB rating. Budget-conscious pet owners will prefer ASPCA, while those prioritizing comprehensive protection and service quality should choose Trupanion.

Compare Trupanion and ASPCA pet insurance through these common questions:

Our comparison of Trupanion and ASPCA pet insurance involved evaluating both providers under identical conditions. We obtained quotes using the same pet profiles and policy settings to ensure fair analysis:

• $5,000 annual limit
• 80% reimbursement rate
• $500 deductible
• 6-year-old Labrador Retriever for dog coverage
• 7-year-old Ragdoll for cat coverage

MoneyGeek scored both companies using three weighted criteria based on their importance to pet owners.

Affordability (50% of score): We collected pricing data across multiple pet ages and coverage options to determine actual monthly costs, including available discounts that affect real premiums.

Customer Experience (30% of score): We analyzed Trustpilot ratings and customer feedback to assess satisfaction levels with claims processing and customer support services.

Coverage (20% of score): We examined policy features, waiting periods and available add-ons to evaluate which provider offers more comprehensive pet health protection.