Pets Best vs Trupanion

Pets Best

Trupanion

Pet insuranceLast verified Oct 1, 2026

Verified facts for Pets Best and Trupanion, side by side
Field	Pets Best	Trupanion
FoundedDiffers	2005Source: Pets Bestverified 2026-09-30	2000Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
HeadquartersDiffers	Boise, IDSource: Pets Bestverified 2026-09-30	Seattle, WashingtonSource: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Insurance productsSame	pet Source: Pets Bestverified 2026-09-30	pet Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Underwritten byDiffers	American Pet Insurance Company, Independence American Insurance Company, Independence Pet Insurance Company, or MS Transverse Insurance CompanySource: Pets Bestverified 2026-09-30	American Pet Insurance Company (APIC)Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
States availableDiffers	AL AK AZ AR CA CO CT DE DC FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY Source: Pets Bestverified 2026-10-01	all 50 states, the District of Columbia and Puerto RicoSource: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Coverage typesDiffers	accidents illnesses surgeries cancer optional routine wellness coverage Source: Pets Bestverified 2026-10-01	New, unexpected illnesses and injuries Surgeries, diagnostic tests, and dental Behavioral and physical therapy Source: Trupanionverified 2026-10-01
Reimbursement optionsUnknown on one side	Options ranging from 70% - 90%Source: Pets Bestverified 2026-10-01	Not verified
Deductible optionsUnknown on one side	Annual deductible options ranging from $100 - $1,000Source: Pets Bestverified 2026-10-01	Not verified
Waiting periodsDiffers	vary by state and coverage typeSource: Pets Bestverified 2026-10-01	five-day waiting period for injuries and a 30-day waiting period for illnessesSource: Trupanionverified 2026-10-01
Age restrictionsDiffers	no upper age limit for enrollmentSource: Pets Bestverified 2026-10-01	all cats and dogs under 14 years of age are eligible to enrollSource: Trupanionverified 2026-10-01
Eligibility notesUnknown on one side	Not verified	dogs and cats only, no breed restrictions; owner must live in the United States, Canada or Puerto Rico, or at any US military base worldwideSource: Trupanionverified 2026-10-01
How to get a quoteDiffers	online phone Source: Pets Bestverified 2026-10-01	online Source: Trupanionverified 2026-10-01
How to file a claimDiffers	online Pets Best mobile app online customer portal Source: Pets Bestverified 2026-10-01	direct payment to the veterinary hospital via Trupanion software Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Customer service channelsDiffers	phone fax mail Source: Pets Bestverified 2026-10-01	phone email live chat Source: Trupanionverified 2026-10-01
Notable limitationsDiffers	Accident & Illness plans do not cover preventive care or elective procedures, including annual wellness exams, vaccinations, flea and tick prevention, ear cropping, tail docking and feline declawing Source: Pets Bestverified 2026-10-01	vet exam fees and taxes are not included in the policy wellness and routine care fall outside of coverage pre-existing conditions are not eligible for coverage preventable conditions, such as certain parasites and dental problems that arise from missed routine cleanings, are excluded Source: Trupanionverified 2026-10-01

Both companies write pet insurance. Of the fields we have verified for either company, 11 differ and 3 are unverified on at least one side. We do not pick a winner and we do not score either company.

Compare another pair

Swap either side out

The picker only offers fully researched companies, and narrowing by line keeps you from building a pairing with nothing in common.

Company A

Company B

Both profiles in full

Pets Best

Trupanion

Tools for this decision

All comparisons All companies