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The difference between pet insurance and Trupanion

  Read on to learn more about the differences between Trupanion and other competitors in this pet insurance blog post.

September is National Pet Insurance Month, and it's great. We appreciate everything that helps more pets get the veterinary care they need! But Trupanion is not just ordinary "pet insurance." We are health insurance for cats and dogs.

What is the difference? We're so glad you asked …

The Difference Between Pet Insurance and Pet Health Insurance

  Discover why Trupanion is a leader in the pet industry in this pet insurance blog post.


Animal Insurance

Animal insurance providers offer coverage with annual limits, annual renewals and several exceptions. Worst of all? You have to navigate a list of confusing levels and plans, each just a little different.


We do not try to confuse you with several plans or levels. You can get a simple plan that covers new and undamaged injuries and illnesses. Read more about our coverage here. If you live in Florida, take a look at our new Trupanion plan.

Claims Payments

Pet insurance

Compensation is the traditional model and what most suppliers offer. If you really need help with unexpected vet bills, how useful is it to pay in advance and wait at the mailbox for compensation?


Cash? Short? Trupanion. We can pay your vet directly at check-out, so rather than reach your wallet, just provide your membership number! Take a look to see if your veterinarian uses our unique software.


Animal Insurance

Animal insurance providers may restrict pets to certain plans at enrollment, many of which exclude common conditions such as genetic or hereditary problems.


We cover new and unexpected conditions. In addition, we have no limits on payments –


Animal insurance

Animal insurance providers can only offer a few deductible alternatives.


You choose the deductible that fits your budget, from $ 0 to $ 1,000 – or any number in between. In fact, if you live in Florida, we can eliminate the deductible completely.

Waiting periods

Animal insurance

Suppliers may have waiting times of up to six or even 12 months for certain conditions to be covered.


Five days for injuries, 30 days for diseases. Or skip the wait completely with our Exam Day Offers. Do you live in Florida? You get a single 12-day waiting period which can also be waived with an Exam Day offer.


We stand 24/7 every day of the year to help. We are first and foremost pet lovers, so we are just as happy to talk about your hairy family member's new tricks.

  Discover more about the differences and advantages of Trupanion compared to the competition in this pet insurance blog post.

See the policy for complete coverage information.

Trupanion is a registered trademark owned by Trupanion, Inc. Signed in Canada by the Omega General Insurance Company and in the United States by the American Pet Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Visit AmericanPetInsurance.com to review all available animal insurance products.

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