Petplan vs. Trupanion pet insurance

Petplan’s one simple plan offers more coverage than Trupanion.

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Get peace of mind with Petplan, the most comprehensive pet insurance around

Petplan has the most comprehensive pet insurance which includes the holistic care and behavioral therapy that Trupanion charges you extra for. Our plan also covers curable medical conditions, which Trupanion doesn’t cover. Plus, we don’t charge a sign-up fee or limit enrollment based on your pet’s age.

How do Petplan and Trupanion stack up?

Policy Details

No upper age limits

Illness waiting period

15 Days

30 Days

Enrollment fee



Curable exclusionary period

12 months



Sick visit exam fees

Online vet visits

Comprehensive dental

Alternative & homeopathic therapies

Costs extra

Information last updated March 2021.

We cover what Trupanion does not, including:

Sick visit exam fees—saving you on average $50-$250 per visit. You’ll pay more with Trupanion.

Up to $1,000 in virtual vet visits (video chat, call or text), unlike Trupanion.

Comprehensive dental illness and disease for every adult tooth, Trupanion doesn’t cover this.

Up to $1,000 in behavioral therapy and medicine. Trupanion doesn’t do that.

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Trupanion doesn’t cover every tooth. Petplan does.

Petplan covers every adult tooth against accidents, injuries, illnesses and diseases, with no broad condition exclusions.

Trupanion offers limited dental coverage. Teeth outside of the canine and carnassial teeth only get limited protection.

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Holistic care is covered by Petplan’s one simple plan

Holistic care is considered standard by Petplan. It’s included in every policy.

Trupanion requires an expensive rider if you want coverage for acupuncture, chiropractic, hydrotherapy, naturopathy, physical therapy and/or rehabilitative therapy.

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Trupanion doesn’t cover older pets. Petplan does.

Petplan loves pets of all ages, which is why we welcome even the most senior dogs and cats to enroll.

Trupanion will not cover pets that are age 14 or older.

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With Trupanion, you’ll have to pay for exam fees

Petplan covers the full sick visit—including exam fees, saving you $50-$250 per visit.

Trupanion does not cover exam fees.

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Petplan is clearly the better choice for you and your pet

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