Trupanion vs Pets Best Pet Insurance (2026)
Quick Verdict
| Category | Trupanion | Pets Best |
|---|---|---|
| Overall Score | 8.8/10 | 8.5/10 |
| Monthly Cost (avg dog) | ~$50–$100/month | ~$35–$75/month |
| Reimbursement Model | Per-condition lifetime deductible; 90%; unlimited | Annual deductible; 24/7 vet helpline; accident-only |
| Best For | Unlimited payouts, per-condition chronic disease value | More affordable, 24/7 helpline, accident-only option |
Overview
Trupanion and Pets Best are two of the most popular pet insurance providers in the United States. Both cover accidents and illnesses for dogs and cats, but they differ in pricing models, reimbursement structures, and coverage extras. Use the comparison below to determine the best fit for your pet.
Coverage Comparison
| Coverage Item | Trupanion | Pets Best |
|---|---|---|
| Accidents | Yes | Yes |
| Illnesses | Yes | Yes |
| Hereditary/Congenital | Yes (after waiting period) | Yes (after waiting period) |
| Cancer Treatment | Yes | Yes |
| Reimbursement Rate | 90% | 24/7 vet helpline |
Key Differences
Trupanion is best suited for owners who want unlimited payouts, per-condition chronic disease value. The reimbursement structure is: Per-condition lifetime deductible; 90%; unlimited.
Pets Best is best suited for owners who want more affordable, 24/7 helpline, accident-only option. The reimbursement structure is: Annual deductible; 24/7 vet helpline; accident-only.
Pricing
Monthly premiums range from ~$50–$100/month for Trupanion and ~$35–$75/month for Pets Best, depending on pet age, breed, location, and coverage level. Get a personalized quote from both providers before deciding.
Pros and Cons
Trupanion
Pros
- See detailed review at [GetPetPros Trupanion Review](/reviews/trupanion-pet-insurance)
- Strong coverage for unlimited payouts, per-condition chronic disease value
- Competitive pricing in its category
Cons
- May have higher premiums than competitors in some markets
- Coverage exclusions for pre-existing conditions (standard across all providers)
Pets Best
Pros
- See detailed review at [GetPetPros Pets Best Review](/reviews/pets-best-pet-insurance)
- Strong coverage for more affordable, 24/7 helpline, accident-only option
- Well-established claims process
Cons
- May be pricier in some pet profiles vs. Trupanion
- Coverage exclusions standard across industry
Best For
Choose Trupanion if: Unlimited payouts, per-condition chronic disease value
Choose Pets Best if: More affordable, 24/7 helpline, accident-only option
How to Get Quotes
1. Visit each provider’s website and enter your pet’s details (age, breed, zip code)
2. Compare coverage options at similar deductible and reimbursement levels
3. Check customer reviews on Trustpilot and the Better Business Bureau
4. Confirm your primary veterinarian accepts each provider
Related Comparisons
- [Embrace vs Trupanion](/compare/embrace-vs-trupanion)
- [Healthy Paws vs Trupanion](/compare/healthy-paws-vs-trupanion)
- [Lemonade vs Trupanion](/compare/lemonade-vs-trupanion)
FAQ
How do I choose between Trupanion and Pets Best? Compare quotes at the same deductible level for your specific pet. If Trupanion’s model (Per-condition lifetime deductible) suits your preferences, choose Trupanion. If you prefer Pets Best’s approach (Annual deductible), go with Pets Best.
Do both cover pre-existing conditions? No—standard across the entire pet insurance industry. Pre-existing conditions are excluded by all providers. Enroll your pet while young and healthy.
Which has better customer reviews? Both have strong Trustpilot ratings. Check current reviews at Trustpilot.com for the most up-to-date customer experience data.
What is the waiting period? Most providers have a 14-day waiting period for illnesses and 2–5 days for accidents. Orthopedic conditions may have 6-month waiting periods at some providers.
Can I switch between Trupanion and Pets Best? You can cancel and switch, but new pre-existing conditions (developed while insured with your old provider) may be excluded by the new provider. Switch as early as possible if dissatisfied.
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