Trupanion vs. ASPCA Pet Insurance: Which Is Better? (2026)

Trupanion vs. ASPCA Pet Insurance: Key Takeaways

ASPCA offers more affordable pet insurance rates than Trupanion, with monthly premiums of $31 for middle-aged cats and $48 for middle-aged dogs, whereas Trupanion charges $48 and $88 respectively.

Trupanion outperforms ASPCA in customer experience with a 4.4 out of 5.0 Trustpilot rating and 44% positive sentiment on Reddit for its responsive service and direct vet payments.

Trupanion's pet insurance coverage is superior to ASPCA's, featuring per-condition deductibles that don't reset annually and direct vet payment for covered claims.

Is Trupanion or ASPCA Pet Insurance Better?

MoneyGeek's analysis found that Trupanion ranks as the better pet insurance provider for cats, while ASPCA is more ideal for dogs. While this is the case, your best choice between these two insurers depends on your pet type and what matters most to you:

Affordability: ASPCA ranks second nationally for dog insurance rates, four spots higher than Trupanion, making it the budget-friendly choice for dog owners. Trupanion ranks fifth nationally for cat insurance rates, two spots ahead of ASPCA, offering better value for feline coverage.
Customer Experience: Trupanion ranks fifth nationally for customer service, one spot ahead of ASPCA. You'll get faster claim processing and more responsive support when your pet needs treatment.
Coverage: Trupanion ranks second nationally for both pets, six spots better than ASPCA. Your furry companion gets more comprehensive financial protection and vet direct payment with Trupanion.

Data filtered by:


Cat	Trupanion	5	9
Dog	ASPCA	5	6

How We Decided the Winning Pet Insurance Provider

All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.

Learn more about the best pet insurance options for your pet across different situations:

Best Multiple Pet Insurance

Best Pet Insurance for Accident-Only Coverage

Best Pet Insurance for Allergies

Best Pet Insurance for Cancer

Best Pet Insurance for Cats

Best Pet Insurance for Dental

Trupanion and ASPCA Comparison by State

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.

Data filtered by:


Alabama	Cat	Trupanion
Alabama	Dog	ASPCA
Alaska	Cat	Trupanion
Alaska	Dog	Trupanion
Arizona	Cat	Trupanion
Arizona	Dog	ASPCA
Arkansas	Cat	Trupanion
Arkansas	Dog	Trupanion
California	Cat	Trupanion
California	Dog	ASPCA
Colorado	Cat	Trupanion
Colorado	Dog	ASPCA
Connecticut	Cat	Trupanion
Connecticut	Dog	ASPCA
Delaware	Cat	Trupanion
Delaware	Dog	ASPCA
Florida	Cat	Trupanion
Florida	Dog	ASPCA
Georgia	Cat	Trupanion
Georgia	Dog	ASPCA
Hawaii	Cat	Trupanion
Hawaii	Dog	ASPCA
Idaho	Cat	Trupanion
Idaho	Dog	ASPCA
Illinois	Cat	Trupanion
Illinois	Dog	ASPCA
Indiana	Cat	Trupanion
Indiana	Dog	ASPCA
Iowa	Cat	Trupanion
Iowa	Dog	ASPCA
Kansas	Cat	Trupanion
Kansas	Dog	ASPCA
Kentucky	Cat	Trupanion
Kentucky	Dog	Trupanion
Louisiana	Cat	Trupanion
Louisiana	Dog	ASPCA
Maine	Cat	Trupanion
Maine	Dog	Trupanion
Maryland	Cat	Trupanion
Maryland	Dog	Trupanion
Massachusetts	Cat	Trupanion
Massachusetts	Dog	ASPCA
Michigan	Cat	Trupanion
Michigan	Dog	ASPCA
Minnesota	Cat	Trupanion
Minnesota	Dog	ASPCA
Mississippi	Cat	Trupanion
Mississippi	Dog	ASPCA
Missouri	Cat	Trupanion
Missouri	Dog	ASPCA
Montana	Cat	Trupanion
Montana	Dog	ASPCA
Nebraska	Cat	Trupanion
Nebraska	Dog	ASPCA
Nevada	Cat	Trupanion
Nevada	Dog	ASPCA
New Hampshire	Cat	Trupanion
New Hampshire	Dog	ASPCA
New Jersey	Cat	Trupanion
New Jersey	Dog	Trupanion
New Mexico	Cat	Trupanion
New Mexico	Dog	ASPCA
New York	Cat	Trupanion
New York	Dog	ASPCA
North Carolina	Cat	Trupanion
North Carolina	Dog	ASPCA
North Dakota	Cat	Trupanion
North Dakota	Dog	ASPCA
Ohio	Cat	Trupanion
Ohio	Dog	ASPCA
Oklahoma	Cat	Trupanion
Oklahoma	Dog	ASPCA
Oregon	Cat	Trupanion
Oregon	Dog	ASPCA
Pennsylvania	Cat	Trupanion
Pennsylvania	Dog	ASPCA
Rhode Island	Cat	Trupanion
Rhode Island	Dog	ASPCA
South Carolina	Cat	Trupanion
South Carolina	Dog	Trupanion
South Dakota	Cat	Trupanion
South Dakota	Dog	ASPCA
Tennessee	Cat	Trupanion
Tennessee	Dog	ASPCA
Texas	Cat	Trupanion
Texas	Dog	ASPCA
Utah	Cat	Trupanion
Utah	Dog	ASPCA
Vermont	Cat	Trupanion
Vermont	Dog	Trupanion
Virginia	Cat	Trupanion
Virginia	Dog	ASPCA
Washington	Cat	Trupanion
Washington	Dog	ASPCA
West Virginia	Cat	Trupanion
West Virginia	Dog	ASPCA
Wisconsin	Cat	Trupanion
Wisconsin	Dog	ASPCA
Wyoming	Cat	Trupanion
Wyoming	Dog	Trupanion

How We Decided the Winning Pet Insurance Provider by State

Trupanion vs. ASPCA Pet Insurance Cost

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 and puppies also cost 54% and 52% less with ASPCA, respectively.

Data filtered by:


Kittens	ASPCA	$14	14%
Young Cats	ASPCA	$20	23%
Puppies	ASPCA	$25	52%
Middle Aged Cats	ASPCA	$31	37%
Young Dogs	ASPCA	$31	55%
Middle Aged Dogs	ASPCA	$48	46%
Senior Cats	ASPCA	$74	45%
Senior Dogs	ASPCA	$116	54%

How We Decided the Winning Pet Insurance Provider

All rates presented here were based on averages for pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age across 50 states.

Trupanion vs. ASPCA Pet Insurance Cost by State

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.

Data filtered by:


Alabama	ASPCA	$35	45%
Alaska	ASPCA	$47	45%
Arizona	ASPCA	$58	46%
Arkansas	ASPCA	$32	45%
California	ASPCA	$60	46%
Colorado	ASPCA	$60	46%
Connecticut	ASPCA	$55	46%
Delaware	ASPCA	$48	46%
Florida	ASPCA	$54	46%
Georgia	ASPCA	$43	46%
Hawaii	ASPCA	$48	46%
Idaho	ASPCA	$48	46%
Illinois	ASPCA	$59	46%
Indiana	ASPCA	$43	46%
Iowa	ASPCA	$40	46%
Kansas	ASPCA	$44	46%
Kentucky	ASPCA	$38	45%
Louisiana	ASPCA	$39	46%
Maine	ASPCA	$58	45%
Maryland	ASPCA	$47	45%
Massachusetts	ASPCA	$62	46%
Michigan	ASPCA	$48	46%
Minnesota	ASPCA	$50	46%
Mississippi	ASPCA	$41	45%
Missouri	ASPCA	$38	45%
Montana	ASPCA	$40	45%
Nebraska	ASPCA	$43	46%
Nevada	ASPCA	$50	46%
New Hampshire	ASPCA	$56	46%
New Jersey	ASPCA	$54	46%
New Mexico	ASPCA	$42	46%
New York	ASPCA	$52	46%
North Carolina	ASPCA	$43	46%
North Dakota	ASPCA	$37	45%
Ohio	ASPCA	$44	46%
Oklahoma	ASPCA	$40	46%
Oregon	ASPCA	$59	46%
Pennsylvania	ASPCA	$50	46%
Rhode Island	ASPCA	$42	46%
South Carolina	ASPCA	$45	46%
South Dakota	ASPCA	$42	45%
Tennessee	ASPCA	$44	46%
Texas	ASPCA	$51	46%
Utah	ASPCA	$46	45%
Vermont	ASPCA	$45	45%
Virginia	ASPCA	$51	46%
Washington	ASPCA	$55	45%
West Virginia	ASPCA	$41	46%
Wisconsin	ASPCA	$51	46%
Wyoming	ASPCA	$44	46%

How We Decided the Winning Pet Insurance Provider by State

All rates presented here were based on average pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age.

Trupanion vs. ASPCA Pet Insurance Discounts

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.


Multiple pets	None.	Get 10% off on each additional pet’s premium when enrolling more than one pet.
Employer group plan	None.	Access 10% discount for joining a participating employer's group plan.
Veterinary staff	None.	Save 10% on pet insurance for working as an employee at a veterinary practice.
Association	None.	Members of certain associations, such as REALTOR benefits programs, receive 10% off on pet insurance.

Trupanion vs. ASPCA Pet Insurance Customer Experience

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 5.0 Trustpilot rating versus ASPCA's 3.6 out of 5.0 rating and stronger positive sentiment on Reddit.

Trupanion vs ASPCA Trustpilot ratings

Trupanion scores 4.4 out of 5.0 on Trustpilot compared to ASPCA's 3.6 out of 5.0. Pet owners praise Trupanion for fast claim processing within 24 hours and direct vet payments, though some note high premiums. ASPCA earns positive marks for its user-friendly app and helpful customer service, but reviewers report frequent claim denials and rising costs.

Trupanion vs ASPCA BBB ratings

Trupanion holds an A+ BBB rating with full accreditation, similar to ASPA's A+ rating with accreditation. The A+ rating is highest possible score from the BBB, showing that both companies meet its standards for trust, including ethical business practices and commitment to resolving customer complaints.

Trupanion vs ASPCA Pet Insurance Reddit Sentiment

We analyzed Reddit discussions and found Trupanion has 44% positive sentiment from 16 total comments (seven positive, nine negative), while ASPCA earns 36% positive from 11 comments (four positive, seven negative). Trupanion users praise responsive customer service and direct vet payments, but criticize high premium increases and claim denials related to pre-existing conditions. ASPCA receives positive feedback for its user-friendly app and helpful representatives, though Reddit discussions highlight frequent complaints about slow claim processing and unexpected coverage exclusions that leave pet owners with higher out-of-pocket costs.

Trupanion vs. ASPCA Pet Insurance Coverage

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.


Diagnostics	✓	✓
Procedures	✓	✓
Medications	✓	✓
Fractures and broken bones	✓	✓
Lacerations and bite wounds	✓	✓
Parasite treatment	X	Only covers prevention through an optional add-on
Cancer treatment	✓	✓
Digestive illnesses	✓	✓
Hereditary conditions	✓	✓
Congenital conditions	✓	✓
Chronic conditions	✓	✓
Hip dysplasia	✓	✓
Deductibles	$0 to $1,000; deductible applies per condition for the lifetime of the pet	$100, $250, $500
Annual limits	Unlimited	$2,500, $3,000, $5,000, $7,000, $10,000, Unlimited
Reimbursement rates	90%	70%, 80%, 90%
Waiting periods	5 days for accidents, 30 days for illnesses in most states. These waiting periods change for the following states: CA and NH: 30 days for illnesses, no waiting period for accidents ME: No waiting period for accidents and illnesses DE, LA, MD, MS, MT, NE, OH, PA, VT and WA: 12-day delayed effective date for new accidents and illnesses	14 days for accidents, illnesses and knee or ligament conditions
Age restrictions	Only insures pets below 14 years old	No upper age limit for enrollment
Pre-existing conditions	Conditions that developed 18 months prior to your policy’s effective date or during waiting periods are permanently excluded	Curable conditions may be covered after 180 symptom-free days
Direct vet payment	Pays licensed veterinarians right at checkout, as long as the vet has Trupanion's software installed	Has no direct vet payment feature

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

Trupanion vs. ASPCA Pet Insurance Add-ons

If you're looking to supplement your base policy for maximum financial protection, both Trupanion and ASPCA have optional add-ons available. Trupanion's offerings exclude routine care, focusing instead on pet owner benefits, breeding and recovery care. Meanwhile, APSCA's add-on centers on preventive care.

Trupanion Pet Insurance Add-ons

Pet owner assistance package: Reimburses expenses related to lost pets, boarding, vacation 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.
Recovery and complementary care: Covers rehabilitative therapy, hydrotherapy, chiropractic treatments, acupuncture, and behavioral therapies associated with eligible accidents or illnesses.

ASPCA Pet Insurance Add-ons

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

Trupanion vs. ASPCA Pet Insurance: Bottom Line

Choosing between Trupanion and ASPCA depends on your priorities for pet insurance. ASPCA ranks better for dogs, delivering lower rates across all age groups. Trupanion is more ideal for cats, excelling in customer service and coverage. Trupanion holds a 4.4 out of 5.0 Trustpilot rating and offers direct vet payment for covered claims, which ASPCA lacks. Budget-conscious pet owners should consider ASPCA, while those prioritizing comprehensive financial protection and service quality should choose Trupanion.

Compare other major pet insurance companies to determine the best choice for your pet:

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Spot vs. Healthy Paws Pet Insurance

Spot vs. Lemonade Pet Insurance

Trupanion vs. ASPCA Pet Insurance Comparison: FAQ

Compare Trupanion and ASPCA pet insurance through these common questions:

What are the main differences between Trupanion vs. ASPCA Pet Insurance?

ASPCA offers better affordability with rates 14% to 55% lower across all age categories, plus four discounts Trupanion doesn't provide. Trupanion ranks second nationally for coverage quality compared to ASPCA's eighth-place ranking and offers direct vet payments for covered claims. Customer experience also favors Trupanion with a fifth-place national ranking and 4.4 out of 5.0 Trustpilot rating versus ASPCA's sixth-place ranking and 3.6 out of 5.0 rating.

Is Trupanion or ASPCA Pet Insurance better for long-term coverage?

Both providers offer unlimited payouts, but Trupanion works better for long-term coverage because of its per-condition deductible that never resets once you meet it. ASPCA uses an annual deductible that resets each year, which costs more over time for chronic conditions.

Which is more affordable: Trupanion or ASPCA Pet Insurance?

ASPCA costs less than Trupanion across every age category for both cats and dogs. Young dog owners save the most with ASPCA at 55% lower rates, while senior dogs and puppies cost 54% and 52% less, respectively. ASPCA also offers 10% discounts for multiple pets, employer groups, veterinary staff and association members.

Do Trupanion and ASPCA Pet Insurance cover pre-existing conditions?

ASPCA covers curable pre-existing conditions after 180 symptom-free days. Meanwhile, Trupanion permanently excludes conditions that occurred 18 months prior to your policy’s effective date or during waiting periods.

Which is better for dogs and cats: Trupanion vs. ASPCA Pet Insurance?

ASPCA ranks better for dogs, placing fifth nationally compared to Trupanion's sixth place and winning 41 states for overall dog coverage. Trupanion wins for cats, ranking fifth nationally versus ASPCA's ninth place and leading all 50 states for cat coverage.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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