MoneyGeek's analysis found that Trupanion provides better pet insurance for cats, while Pets Best is more preferable for dogs. While this is the case, your best choice may change based on what you're particularly looking for. Pets Best offers better affordability for dogs and leads in customer experience for both pets, but Trupanion has superior coverage plus better rates for cat owners.
Trupanion vs. Pets Best Pet Insurance
Updated: February 2, 2026
Advertising & Editorial Disclosure
Trupanion vs. Pets Best Pet Insurance: Key Takeaways
Pets Best offers cheaper pet insurance, with monthly premiums of $27 for middle-aged cats and $53 for middle-aged dogs, while Trupanion charges $48 and $88 respectively.
Pets Best provides better customer experience than Trupanion, backed by 70% positive sentiment on Reddit for its responsive service and straightforward plans.
Trupanion has better pet insurance coverage compared to Pets Best, featuring per-condition deductibles, optional add-ons for breeding and pet owner benefits, plus shorter waiting periods in certain states.
Is Trupanion or Pets Best Pet Insurance Better?
| Cat | Affordability | Trupanion | 5 | 6 |
| Cat | Coverage | Trupanion | 2 | 2 |
| Cat | Customer Experience | Pets Best | 5 | 5 |
| Cat | Overall Score | Trupanion | 5 | 7 |
| Dog | Affordability | Pets Best | 4 | 6 |
| Dog | Coverage | Trupanion | 2 | 2 |
| Dog | Customer Experience | Pets Best | 5 | 5 |
| Dog | Overall Score | Pets Best | 3 | 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:
Trupanion and Pets Best Comparison by State
Pets Best wins against Trupanion as the best pet insurance company for dogs across all 50 states. Trupanion wins for cats in 44 states, while Pets Best takes the lead in Alabama, Arkansas, Iowa, Maryland, New Jersey and Pennsylvania.
Data filtered by:
Select
| Alabama | Cat | Pets Best |
| Alabama | Dog | Pets Best |
| Alaska | Cat | Trupanion |
| Alaska | Dog | Pets Best |
| Arizona | Cat | Trupanion |
| Arizona | Dog | Pets Best |
| Arkansas | Cat | Pets Best |
| Arkansas | Dog | Pets Best |
| California | Cat | Trupanion |
| California | Dog | Pets Best |
| Colorado | Cat | Trupanion |
| Colorado | Dog | Pets Best |
| Connecticut | Cat | Trupanion |
| Connecticut | Dog | Pets Best |
| Delaware | Cat | Trupanion |
| Delaware | Dog | Pets Best |
| Florida | Cat | Trupanion |
| Florida | Dog | Pets Best |
| Georgia | Cat | Trupanion |
| Georgia | Dog | Pets Best |
| Hawaii | Cat | Trupanion |
| Hawaii | Dog | Pets Best |
| Idaho | Cat | Trupanion |
| Idaho | Dog | Pets Best |
| Illinois | Cat | Trupanion |
| Illinois | Dog | Pets Best |
| Indiana | Cat | Trupanion |
| Indiana | Dog | Pets Best |
| Iowa | Cat | Pets Best |
| Iowa | Dog | Pets Best |
| Kansas | Cat | Trupanion |
| Kansas | Dog | Pets Best |
| Kentucky | Cat | Trupanion |
| Kentucky | Dog | Pets Best |
| Louisiana | Cat | Trupanion |
| Louisiana | Dog | Pets Best |
| Maine | Cat | Trupanion |
| Maine | Dog | Pets Best |
| Maryland | Cat | Pets Best |
| Maryland | Dog | Pets Best |
| Massachusetts | Cat | Trupanion |
| Massachusetts | Dog | Pets Best |
| Michigan | Cat | Trupanion |
| Michigan | Dog | Pets Best |
| Minnesota | Cat | Trupanion |
| Minnesota | Dog | Pets Best |
| Mississippi | Cat | Trupanion |
| Mississippi | Dog | Pets Best |
| Missouri | Cat | Trupanion |
| Missouri | Dog | Pets Best |
| Montana | Cat | Trupanion |
| Montana | Dog | Pets Best |
| Nebraska | Cat | Trupanion |
| Nebraska | Dog | Pets Best |
| Nevada | Cat | Trupanion |
| Nevada | Dog | Pets Best |
| New Hampshire | Cat | Trupanion |
| New Hampshire | Dog | Pets Best |
| New Jersey | Cat | Pets Best |
| New Jersey | Dog | Pets Best |
| New Mexico | Cat | Trupanion |
| New Mexico | Dog | Pets Best |
| New York | Cat | Trupanion |
| New York | Dog | Pets Best |
| North Carolina | Cat | Trupanion |
| North Carolina | Dog | Pets Best |
| North Dakota | Cat | Trupanion |
| North Dakota | Dog | Pets Best |
| Ohio | Cat | Trupanion |
| Ohio | Dog | Pets Best |
| Oklahoma | Cat | Trupanion |
| Oklahoma | Dog | Pets Best |
| Oregon | Cat | Trupanion |
| Oregon | Dog | Pets Best |
| Pennsylvania | Cat | Pets Best |
| Pennsylvania | Dog | Pets Best |
| Rhode Island | Cat | Trupanion |
| Rhode Island | Dog | Pets Best |
| South Carolina | Cat | Trupanion |
| South Carolina | Dog | Pets Best |
| South Dakota | Cat | Trupanion |
| South Dakota | Dog | Pets Best |
| Tennessee | Cat | Trupanion |
| Tennessee | Dog | Pets Best |
| Texas | Cat | Trupanion |
| Texas | Dog | Pets Best |
| Utah | Cat | Trupanion |
| Utah | Dog | Pets Best |
| Vermont | Cat | Trupanion |
| Vermont | Dog | Pets Best |
| Virginia | Cat | Trupanion |
| Virginia | Dog | Pets Best |
| Washington | Cat | Trupanion |
| Washington | Dog | Pets Best |
| West Virginia | Cat | Trupanion |
| West Virginia | Dog | Pets Best |
| Wisconsin | Cat | Trupanion |
| Wisconsin | Dog | Pets Best |
| Wyoming | Cat | Trupanion |
| Wyoming | Dog | Pets Best |
How We Decided the Winning Pet Insurance Provider by State
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.
Trupanion vs. Pets Best Pet Insurance Cost
Pets Best offers lower monthly rates than Trupanion across all pet insurance cost categories for cats and dogs, with savings ranging from 21% to 52%. Here's how the two providers compare:
- Kittens: Pets Best costs $13 monthly compared to Trupanion's $16 monthly, saving you 21%.
- Young cats: You'll pay $17 monthly with Pets Best versus $25 monthly with Trupanion—a 34% difference that adds up over time.
- Middle-aged cats: Pets Best charges $27 monthly while Trupanion costs $48, giving you 44% in savings.
- Senior cats: The gap widens as cats age—Pets Best's $67 monthly rate beats Trupanion's $134, cutting your costs in half.
- Puppies: Pets Best wins with $27 monthly rates, saving you 48% compared to Trupanion's $52.
- Young dogs: Trupanion charges $69 monthly, but Pets Best offers the same coverage for $33—52% less.
- Middle-aged dogs: Pets Best costs $53 per month versus Trupanion's $88, giving dog owners 40% savings.
- Senior dogs: Pets Best's $133 monthly rate is 47% cheaper than Trupanion's $252 for older dogs.
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% |
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. Pets Best Pet Insurance Cost by State
Pets Best consistently offers the cheapest pet insurance across all states for both dogs and cats of all ages, beating Trupanion in affordability 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% |
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. Pets Best Pet Insurance Discounts
Pets Best offers three pet insurance discounts, while Trupanion doesn't provide any savings opportunities at all. Each Pets Best discount saves you 5%, and you can stack the multiple pet discount with either the military or employer discount for greater savings.
Multiple pets | None. | Get 5% off on each additional pet enrolled with Pets Best. |
Military | None. | Active duty service members, veterans and military spouses or kids save 5% on pet insurance. |
Employer group plan | None. | Receive 5% discount for joining a participating employer's group plan. |
Trupanion vs. Pets Best Pet Insurance Customer Experience
Pets Best ties with Trupanion in customer experience at fifth place for dogs and cats. Trupanion edges ahead with higher ratings from Trustpilot and the Better Business Bureau, while Pets Best outperforms in positive sentiment among Reddit users.
Trupanion vs Pets Best Trustpilot ratings
Trupanion earns a 4.4 out of 5.0 Trustpilot rating compared to Pets Best's 3.7 out of 5.0. Trupanion earns praise for fast claim processing and direct payment to vets but receives criticism over premium increases and coverage denials. Pets Best garners positive feedback for straightforward plans and helpful customer service, though reviewers complain about slow reimbursements and website issues.
Trupanion vs Pets Best BBB ratings
Trupanion holds an A+ BBB rating and accreditation, while Pets Best lacks both BBB accreditation and a rating. The A+ rating signals that Trupanion meets BBB's standards for trust, handles complaints effectively and maintains transparent business practices. Pets Best's “Not Rated” status doesn't mean poor service—it simply reflects that BBB lacks sufficient information to issue a rating, often because the company hasn't pursued accreditation.
Trupanion vs Pets Best Pet Insurance Reddit Sentiment
Pets Best leads Reddit sentiment with 70% positive feedback compared to Trupanion's 44%, with users praising Pets Best's responsive customer service and straightforward policies. Trupanion receives mixed reviews, with some Reddit users highlighting its direct payment to vets and per-condition deductibles, while others criticize claim denials and customer service inconsistencies.
Trupanion vs. Pets Best Pet Insurance Coverage
Trupanion shares second place in our national ranking for pet insurance coverage with Pets Best. Both companies offer to pay licensed veterinarians directly for covered claims, though Trupanion provides per-condition deductibles that don't reset annually, while Pets Best covers exam fees and curable pre-existing conditions.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | X | Only covers prevention through an optional add-on |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$0 to $1,000; deductible applies per condition for the lifetime of the pet | $100, $200, $250, $500, $1,000 | |
Unlimited | $5,000, $10,000, Unlimited | |
90% | 70%, 80%, 90% | |
5 days for accidents, 30 days for illnesses in most states. These waiting periods change for the following states:
| 3 days for accidents, 14 days for illnesses, 6 months for cruciate ligament events and related conditions | |
Age restrictions | Only insures pets below 14 years old | No upper age limits for enrollment |
Pre-existing conditions | Conditions that developed before enrollment or during waiting periods are permanently excluded | Curable pre-existing conditions may be eligible for coverage if cured and no further treatment is needed |
Direct vet payment | Pays licensed veterinarians right at checkout, provided the vet has Trupanion's software installed | Pays vets directly if you submit a completed claim along with a veterinarian reimbursement release form that both you and your vet have signed |
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
Both Trupanion and Pets Best offer optional add-ons to expand your base coverage. Trupanion offers three options, covering breeding, recovery care and pet owner benefits. Pets Best has four that focus on routine care, exam fees and physical therapy.
- Breeding: Provides coverage for illnesses and accidents related to breeding, whelping and queening.
- Recovery and complementary care: Helps reimburse costs for rehabilitative therapy, hydrotherapy, chiropractic treatments, acupuncture, and behavioral therapies associated with eligible accidents or illnesses.
- Pet owner assistance package: Covers additional expenses related to lost pets, boarding, travel or holiday cancellation, third-party property damage caused by your pet, or cremation or burial assistance.
- EssentialWellness plan: Provides coverage for annual exams, vaccines, bloodwork, heartworm tests, deworming, urinalysis and fecal exams.
- BestWellness plan: Features all EssentialWellness benefits, plus dental cleaning and spaying/neutering.
- Exam Fees add-on: Reimburses exam fees for diagnosing a new accident or illness.
- Physical Therapy add-on: Covers rehabilitation, acupuncture and chiropractic care related to an eligible accident or illness.
Trupanion vs. Pets Best Pet Insurance: Bottom Line
Choosing between Trupanion and Pets Best depends on your priorities. Trupanion is ideal for cat insurance, providing superior coverage with per-condition deductibles and direct vet payment. Pets Best is the better choice for dogs, particularly excelling in affordability, with monthly rates cheaper by 21% to 52% and pet insurance discounts. Pets Best also delivers better customer experience, garnering 70% positive feedback on Reddit for its responsive service and straightforward policies.
Compare other major pet insurance companies to determine the best choice for your pet:
Trupanion vs. Pets Best Pet Insurance Comparison: FAQ
Compare Trupanion and Pets Best pet insurance through these common questions:
What is the difference between Trupanion and Pets Best pet insurance?
Trupanion offers unlimited payouts with per-condition deductibles that don't reset each year, while Pets Best provides flexible coverage limits from $5,000 to unlimited with annual deductibles. Pets Best also has multiple discounts for military members, multiple pets and employer group plans, whereas Trupanion doesn't offer any discounts.
Is Trupanion or Pets Best cheaper for pet insurance?
Pets Best offers cheaper pet insurance across all age groups for both dogs and cats, with savings ranging from 21% to 52% compared to Trupanion's rates. For example, Pets Best charges $27 monthly for puppies versus Trupanion's $52, and $67 monthly for senior cats compared to Trupanion's $134.
Which offers better coverage: Trupanion or Pets Best?
Both Trupanion and Pets Best rank second for coverage quality, so it comes down to a matter of preference. Trupanion has per-condition deductibles that never reset, while Pets Best offers annual deductibles. Trupanion also extends coverage to breeding, recovery care and pet owner benefits, whereas Pets Best reimburses routine care, exam fees and physical therapy through its optional add-ons.
How do reimbursement rates and deductibles compare between Trupanion and Pets Best?
Trupanion offers a fixed 90% reimbursement rate with per-condition deductibles ranging from $0 to $1,000, meaning you only pay the deductible once per condition for your pet's lifetime. Pets Best provides flexible reimbursement rates of 70% to 90% with annual deductibles from $50 to $1,000 that reset each policy year. Trupanion's per-condition deductible saves money on chronic illnesses, while Pets Best's annual structure works better for pets with occasional health issues.
Which is better for dogs and cats: Trupanion or Pets Best?
Pets Best ranks as the best pet insurance company for dogs nationwide, while Trupanion leads for cats in 46 states. Your choice depends on priorities: Pets Best offers better affordability and customer experience, while Trupanion provides superior 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.