Trupanion delivers better pet insurance coverage than Pets Best for both dogs and cats, ranking second nationally while Pets Best also holds a second-place ranking. Research shows both companies offer similar deductible and annual limit options, but Trupanion provides shorter accident waiting periods and greater flexibility for coverage adjustments after purchase.
Trupanion vs. Pets Best Pet Insurance
Updated: November 3, 2025
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Trupanion vs. Pets Best Pet Insurance: Key Takeaways
Pets Best provides more affordable pet insurance, with monthly premiums of $27 for middle-aged cats and $53 for middle-aged dogs, while Trupanion charges $48 and $88 respectively.
Both providers rank fifth nationally for customer experience, with Trupanion scoring 4.2 out of 5.0 on Trustpilot compared to Pets Best's 4.0 rating.
Trupanion ranks second nationwide for coverage quality for both cats and dogs, offering comprehensive accident and illness protection alongside wellness care options.
Is Trupanion or Pets Best Pet Insurance Better?
Data filtered by:
Dog
| Affordability | Pets Best | 4 | 6 |
| Coverage | Trupanion | 2 | 2 |
| Customer Experience | Pets Best | 5 | 5 |
| Overall Score | Pets Best | 3 | 6 |
Trupanion and Pets Best Comparison by State
Trupanion is the best pet insurance company in 42 states for cats. Pets Best leads in just Maryland for cat coverage and Wisconsin for dog insurance, showing more limited regional strength compared to Trupanion's broader geographic appeal.
Data filtered by:
Overall Score
Dog
| Alabama | Pets Best | 4 | 2 |
| Alaska | Pets Best | 4 | 2 |
| Arizona | Pets Best | 3 | 3 |
| Arkansas | Pets Best | 4 | 2 |
| California | Pets Best | 6 | 0 |
| Colorado | Pets Best | 3 | 3 |
| Connecticut | Pets Best | 4 | 2 |
| Delaware | Pets Best | 3 | 3 |
| Florida | Pets Best | 3 | 3 |
| Georgia | Pets Best | 4 | 2 |
| Hawaii | Pets Best | 4 | 2 |
| Idaho | Pets Best | 4 | 2 |
| Illinois | Pets Best | 4 | 2 |
| Indiana | Pets Best | 4 | 2 |
| Iowa | Pets Best | 3 | 3 |
| Kansas | Pets Best | 4 | 2 |
| Kentucky | Pets Best | 4 | 2 |
| Louisiana | Pets Best | 3 | 3 |
| Maine | Pets Best | 4 | 2 |
| Maryland | Pets Best | 3 | 3 |
| Massachusetts | Pets Best | 4 | 2 |
| Michigan | Pets Best | 3 | 3 |
| Minnesota | Pets Best | 4 | 2 |
| Mississippi | Pets Best | 3 | 3 |
| Missouri | Pets Best | 4 | 2 |
| Montana | Pets Best | 4 | 2 |
| Nebraska | Pets Best | 3 | 3 |
| Nevada | Pets Best | 3 | 3 |
| New Hampshire | Pets Best | 3 | 3 |
| New Jersey | Pets Best | 3 | 3 |
| New Mexico | Pets Best | 3 | 3 |
| New York | Pets Best | 3 | 3 |
| North Carolina | Pets Best | 3 | 3 |
| North Dakota | Pets Best | 3 | 3 |
| Ohio | Pets Best | 3 | 3 |
| Oklahoma | Pets Best | 3 | 3 |
| Oregon | Pets Best | 4 | 2 |
| Pennsylvania | Pets Best | 3 | 3 |
| Rhode Island | Pets Best | 4 | 2 |
| South Carolina | Pets Best | 4 | 2 |
| South Dakota | Pets Best | 3 | 3 |
| Tennessee | Pets Best | 4 | 2 |
| Texas | Pets Best | 4 | 2 |
| Utah | Pets Best | 3 | 3 |
| Vermont | Pets Best | 3 | 3 |
| Virginia | Pets Best | 3 | 3 |
| Washington | Pets Best | 4 | 2 |
| West Virginia | Pets Best | 3 | 3 |
| Wisconsin | Pets Best | 2 | 4 |
| Wyoming | Pets Best | 4 | 2 |
Trupanion vs. Pets Best Pet Insurance Cost
Pets Best offers more affordable pet insurance than Trupanion across all age groups for both cats and dogs. Middle-aged dogs cost $53 per month with Pets Best compared with Trupanion's $88 per month. For middle-aged cats, Pets Best charges $27 versus Trupanion's $48.
See how much pet insurance costs across different age categories.
Data filtered by:
Select
| Kittens | Pets Best | $13 | 21% |
| Young Cats | Pets Best | $17 | 34% |
| Puppies | Pets Best | $27 | 48% |
| Middle Aged Cats | Pets Best | $27 | 44% |
| Young Dogs | Pets Best | $33 | 52% |
| Middle Aged Dogs | Pets Best | $53 | 40% |
| Senior Cats | Pets Best | $67 | 50% |
| Senior Dogs | Pets Best | $133 | 47% |
Trupanion vs. Pets Best Pet Insurance Cost by State
Pets Best provides the cheapest pet insurance across all 50 states, beating Trupanion in every category. Pets Best offers the most affordable rates for middle-aged dogs, middle-aged cats and all other age groups nationwide.
Data filtered by:
Middle Aged Dogs
| Alabama | Pets Best | $39 | 39% |
| Alaska | Pets Best | $52 | 39% |
| Arizona | Pets Best | $65 | 40% |
| Arkansas | Pets Best | $36 | 39% |
| California | Pets Best | $67 | 40% |
| Colorado | Pets Best | $67 | 40% |
| Connecticut | Pets Best | $61 | 40% |
| Delaware | Pets Best | $53 | 39% |
| Florida | Pets Best | $60 | 40% |
| Georgia | Pets Best | $48 | 39% |
| Hawaii | Pets Best | $54 | 39% |
| Idaho | Pets Best | $53 | 40% |
| Illinois | Pets Best | $66 | 40% |
| Indiana | Pets Best | $48 | 40% |
| Iowa | Pets Best | $45 | 39% |
| Kansas | Pets Best | $48 | 39% |
| Kentucky | Pets Best | $42 | 39% |
| Louisiana | Pets Best | $43 | 40% |
| Maine | Pets Best | $65 | 39% |
| Maryland | Pets Best | $52 | 39% |
| Massachusetts | Pets Best | $69 | 40% |
| Michigan | Pets Best | $53 | 40% |
| Minnesota | Pets Best | $55 | 40% |
| Mississippi | Pets Best | $45 | 39% |
| Missouri | Pets Best | $42 | 39% |
| Montana | Pets Best | $45 | 39% |
| Nebraska | Pets Best | $48 | 39% |
| Nevada | Pets Best | $55 | 40% |
| New Hampshire | Pets Best | $62 | 40% |
| New Jersey | Pets Best | $60 | 40% |
| New Mexico | Pets Best | $47 | 39% |
| New York | Pets Best | $58 | 40% |
| North Carolina | Pets Best | $47 | 39% |
| North Dakota | Pets Best | $41 | 39% |
| Ohio | Pets Best | $49 | 40% |
| Oklahoma | Pets Best | $45 | 39% |
| Oregon | Pets Best | $66 | 40% |
| Pennsylvania | Pets Best | $55 | 40% |
| Rhode Island | Pets Best | $46 | 40% |
| South Carolina | Pets Best | $50 | 39% |
| South Dakota | Pets Best | $47 | 39% |
| Tennessee | Pets Best | $49 | 40% |
| Texas | Pets Best | $56 | 40% |
| Utah | Pets Best | $51 | 39% |
| Vermont | Pets Best | $49 | 39% |
| Virginia | Pets Best | $57 | 40% |
| Washington | Pets Best | $61 | 39% |
| West Virginia | Pets Best | $46 | 39% |
| Wisconsin | Pets Best | $57 | 39% |
| Wyoming | Pets Best | $49 | 39% |
Trupanion vs. Pets Best Pet Insurance Discounts
Both Trupanion and Pets Best provide pet insurance discounts to help you save on your pet’s financial protection, especially if you insure multiple pets or qualify through certain memberships. See below for a detailed comparison.
Some state-based or partner discounts for additional pets; not publicly consistent | Typically a 5% discount for additional pets on the same policy (varies by state) | |
Bundling | None broadly documented | Occasionally offered via partner programs or employer benefits |
Annual Pay-In-Full | None broadly documented | Policy may allow paying annually to reduce premium in some states (check with provider) |
Association/Club Member | Few documented association discounts; you may need to check state specifics | Discounts available for certain membership groups or via promotional offers |
Employer Group | Trupanion’s coverage may be offered via vet-clinic partnerships but employer-group discounts not clearly documented | Pets Best offers pet insurance as a voluntary employee benefit in some employer plans |
Trupanion vs. Pets Best Pet Insurance Customer Experience
Pets Best outperforms Trupanion in customer experience, ranking fifth nationally for both dogs and cats compared to Trupanion's tenth place finish. While Pets Best leads in our customer experience analysis, the providers show mixed results across third-party platforms. Trupanion maintains an A+ BBB rating and 4.2 Trustpilot score, while Pets Best receives an F BBB rating but achieves a comparable 4.0 Trustpilot score.
Trupanion vs Pets Best Trustpilot ratings
Trupanion earns a 4.2 out of 5.0 Trustpilot rating compared to Pets Best's 4.0 out of 5.0 score from verified customers. Both providers receive generally positive feedback, with Trupanion customers often highlighting direct vet payment features while Pets Best users appreciate straightforward claims processing.
Trupanion vs Pets Best BBB ratings
Trupanion maintains an A+ BBB rating with full accreditation, indicating strong complaint resolution and business transparency. Pets Best holds an F rating and is not accredited, suggesting significant differences in complaint handling practices.
Trupanion vs Pets Best Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found contrasting sentiment between the providers. Trupanion received 44% positive feedback from 16 total comments (7 positive, 9 negative), while Pets Best achieved 70% positive sentiment with 10 comments (7 positive, 3 negative). Reddit users show more favorable perception of Pets Best's overall customer experience.
Trupanion vs. Pets Best Pet Insurance Coverage
Pets Best 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 Pets Best 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.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | ✓ (may require add-on or specific plan) |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ (allows many hereditary/ congenital conditions if no pre-existing) | ✓ (with some exclusions, depending on age/breed) |
Congenital conditions | ✓ | ✓ (varies by plan / breed / age) |
Chronic conditions | ✓ | ✓ (some limitations or waiting periods) |
✓ | ✓ (may require higher deductible or add-on) | |
Per-condition deductible model (e.g., $250, $500 or $1,000) | $100, $250, $500, $1,000 common | |
One of the few providers with no maximum annual limit on many plans | $5,000; $10,000; $15,000; some plans unlimited | |
90% of eligible costs (after deductible) in most plans | 50%, 70%, 90% typical | |
5 days for accidents; 30 days for illnesses (varies by state) | 14 days for accidents; 14–30 days for illnesses (varies) | |
Age restrictions | No upper age limit for many accident/illness plans (check state) | Enrollment typically open up to ~14 years old (depending on plan) |
Pre-existing conditions are excluded; once condition is symptomatic it’s excluded for life of pet | Pre-existing conditions are excluded (but some curable may be eligible after symptom-free period) | |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Trupanion vs. Pets Best Pet Insurance Add-ons
To enhance routine or preventive care beyond standard accident & illness coverage, both providers offer optional add-ons. These can help you build additional financial protection for wellness visits, dental care, and more.
Trupanion Pet Insurance Add-ons
- Recovery & complementary therapies add-on: Covers treatments like hydrotherapy, acupuncture, and physical therapy following accidents or illnesses.
- Wellness Coverage (in some markets): Reimbursement for routine preventive care (exams, vaccines, dental cleaning), but availability varies by state and is separate from core accident/illness plan.
- Accident-Only plan option: For pet owners who want lower-cost coverage focused on unexpected injury rather than illness, which can be paired with a wellness add-on.
Pets Best Pet Insurance Add-ons
- Wellness plans: Pets Best offers optional wellness riders covering annual exams, vaccines, blood tests, microchipping, and parasite prevention.
- Dental illness add-on: Available to cover major dental work (extractions, root canals) for illnesses not just routine care.
- Pet parent care plan: Covers preventive services like flea/tick medication, heartworm testing, and wellness exams for puppies and kittens.
- End-of-life coverage: Some plans allow an add-on that includes euthanasia, cremation or memorial services (varies by state).
Trupanion vs. Pets Best Pet Insurance: Bottom Line
Choosing between Trupanion and Pets Best depends on your priorities. Pets Best offers more affordable coverage, with rates starting at $53 per month for middle-aged dogs and $27 for cats. However, Trupanion provides superior coverage options with more comprehensive benefits. Pets Best delivers better customer service, earning a 4.0 Trustpilot rating despite an F BBB rating. Trupanion offers more balanced customer experience with an A+ BBB rating and 4.2 Trustpilot score.
Trupanion vs. Pets Best Pet Insurance Comparison: FAQ
Compare Trupanion and Pets Best pet insurance through these common questions:
Which is cheaper: Trupanion vs Pets Best pet insurance?
Pets Best is cheaper than Trupanion across all pet age groups in all 50 states. Middle-aged cats cost $27 per month with Pets Best compared to Trupanion's $48 monthly rate. The savings are even greater for middle-aged dogs, with Pets Best charging $53 per month versus Trupanion's $88 monthly premium.
Which has better customer service: Trupanion vs Pets Best pet insurance?
Pets Best delivers superior customer service, ranking fifth nationally for customer experience compared to Trupanion. Pets Best maintains a 4.0 out of 5.0 Trustpilot score despite an F BBB rating, while Trupanion holds a 4.2 Trustpilot score and A+ BBB rating. Pets Best consistently outperforms Trupanion in overall customer experience rankings.
Which offers better coverage: Trupanion vs Pets Best pet insurance?
Trupanion offers better coverage than Pets Best, ranking 2nd nationally for both dogs and cats. Trupanion provides comprehensive add-ons including behavioral therapy, dental illness coverage, and end-of-life care options. Pets Best focuses mainly on wellness plan add-ons. Both cover essential services like diagnostics, medications, and chronic conditions, but Trupanion's extensive add-on selection delivers superior customization for pet owners.
Can I switch from Trupanion vs Pets Best pet insurance or vice versa?
You can switch from Trupanion to Pets Best or vice versa by purchasing a new policy and canceling your current coverage. However, new waiting periods will apply: 14 days for illnesses and 30 days for orthopedic conditions with both providers. Any conditions diagnosed under your previous policy become pre-existing with your new insurer.
Does Trupanion vs Pets Best cover pre-existing conditions?
Neither Trupanion nor Pets Best covers pre-existing conditions when you first enroll your pet. However, both companies may provide coverage for certain conditions later. Trupanion covers curable pre-existing conditions after your pet remains symptom-free for 12 months. Pets Best also covers curable conditions after a 12-month waiting period without symptoms or treatment.
Can I get discounts with both Trupanion vs Pets Best pet insurance?
Both Trupanion and Pets Best offer discounts to help reduce premium costs. Trupanion provides fewer discount options, primarily focusing on veterinary professional discounts for industry workers. Pets Best offers more savings opportunities, including multi-pet discounts of up to 10%, annual payment discounts, and various membership-based savings through organizations like AAA and military groups.
What are the age limits for Trupanion vs Pets Best pet insurance?
Trupanion accepts pets of any age with no upper enrollment limits, making it excellent for senior animals. Pets Best restricts enrollment to pets under 14 years old, which can limit coverage options for older pets seeking new insurance policies.
How We Scored Trupanion vs. Pets Best Pet Insurance
Evaluating Trupanion vs Pets Best required gathering quotes and policy details under identical conditions. We analyzed both providers using the same pet profiles and coverage specifications to ensure fair comparison.
- $5,000 annual limit
- 80% reimbursement rate
- $500 deductible
- 6-year-old Labrador Retriever for dog coverage
- 7-year-old Ragdoll for cat coverage
Our analysis weighted three key factors based on their importance to pet owners.
Affordability (50% of score): We collected pricing data across different pet ages and coverage options, including available discounts, to determine actual monthly premiums consumers would pay.
Customer Experience (30% of score): We analyzed Trustpilot ratings and customer feedback to assess satisfaction levels with claims processing and customer support.
Coverage (20% of score): We examined policy features, waiting periods and available add-ons to evaluate which provider offers more comprehensive protection for pet health needs.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.