Paw Protect vs Trupanion

Paw Protect vs Trupanion: Verdict

Both Paw Protect and Trupanion offer comprehensive coverage, although Paw Protect trumps Trupanion by also covering vet exam fees and offering a 24/7 pet telehealth service.

Here’s how Paw Protect and Trupanion compare:

Annual coverage options$5000, $10,000, UnlimitedUnlimited
Deductible options$100, $250, $500$0-$1,000
Reimbursement options70%, 80%, 90%90%
Coverage start14 days5 days accident,
30 days illness
Maximum age at sign-up5 years accident and illness14 years
Vet exam fees included
Dental accidents covered
Dental illness covered
Wellness plan offered
24/7 Telehealth
End of life coverage included
10% Multi-pet discount
Military discount

Information correct as of May 2023

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Paw Protect vs Trupanion: Claims process

Paw Protect and Trupanion work like most pet insurance providers, meaning you pay the vet bill, claim the money back (as long as the condition is covered) and then get reimbursed less your deductible and copay. Trupanion claim they can also pay your vet directly, if the vet allows it, even if your vet does not have Trupanion software installed. We are unable to verify this though.


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