Trupanion vs. ASPCA Pet Insurance

MoneyGeek's analysis found Trupanion is the better pet insurance provider for cats, while ASPCA is the stronger pick for dogs. Your best choice between these two depends on your pet type and what you value most:

• Affordability: ASPCA ranks second nationally for dog insurance rates, four spots above Trupanion, making it the budget-friendly option for dog owners. For cats, Trupanion ranks fifth nationally, two spots ahead of ASPCA, giving cat owners better value.
• Customer Experience: Trupanion ranks fifth nationally for customer service, one spot above ASPCA. It processes claims faster and provides more responsive support when your pet needs care.
• Coverage: Trupanion ranks second nationally for coverage across both pets, six spots above ASPCA. Cat and dog owners get broader financial protection and direct vet payment through Trupanion.

See how different pet insurance options compare depending on your pet’s needs:

Trupanion wins against ASPCA as the best pet insurance company for cats, leading in all 50 states. For dogs, ASPCA outperforms in 41 states, while Trupanion wins in Alaska, Arkansas, Kentucky, Maine, Maryland, New Jersey, South Carolina, Vermont and Wyoming.

ASPCA wins against Trupanion in every pet insurance cost category for dogs and cats. Young dog owners get the biggest break, saving 55% compared to Trupanion. Senior dogs cost 54% less with ASPCA, while puppies cost 52% less.

ASPCA consistently offers the cheapest pet insurance across all 50 states, beating Trupanion's rates for kittens, puppies, young cats, young dogs and middle-aged to senior pets.

ASPCA offers four pet insurance discounts, while Trupanion provides none. You can save 10% on premiums for multiple pets, employer group plans, veterinary staff employment or association memberships with ASPCA.

Trupanion wins on customer experience for both cats and dogs, leading ahead of ASPCA by one rank. Trupanion's stronger customer satisfaction shows in its 4.4 out of 5 Trustpilot rating versus ASPCA's 3.6 out of 5 rating and stronger positive sentiment on Reddit.

Trupanion wins against ASPCA for pet insurance coverage, ranking second nationally, while ASPCA trails behind by six spots. Trupanion outperforms by offering per-condition deductibles that don't reset each year and direct vet payment to reduce upfront costs. Depending on the state, Trupanion may also have shorter or even no waiting periods for accidents and illnesses compared to ASPCA's 14-day requirement.

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

If you want to add extra financial protection beyond a base policy, both Trupanion and ASPCA offer optional add-ons. Trupanion’s options don't include routine care and instead focus on pet owner benefits, breeding and recovery support. ASPCA, on the other hand, offers add-ons focused on preventive care.

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

• Basic preventive care plan: Reimburses wellness exams, routine vaccines, dental cleaning, heartworm testing, deworming and fecal testing.
• Prime preventive care plan: Includes all Basic plan benefits and adds spay/neuter procedures, urinalysis, additional vaccines, blood tests and health certificates.

Choosing between Trupanion and ASPCA comes down to your pet and your priorities. ASPCA is the stronger pick for dogs, with lower rates across all age groups. Trupanion works better for cats and pulls ahead on customer service and coverage depth. It holds a 4.4 out of 5 Trustpilot rating and pays vets directly for covered claims, a feature ASPCA doesn't offer. If cost is your main concern, ASPCA is the better fit. If you want broader coverage and hands-off claims handling, Trupanion is worth the higher price.

Compare other major pet insurance companies to find the right option for your pet:

Compare Trupanion and ASPCA pet insurance through these common questions: