Head-to-Head
ASPCA vs Trupanion
Side-by-side comparison of coverage, pricing, waiting periods, and overall value.
Coverage comparison
| Feature | ASPCA | Trupanion |
|---|---|---|
| Hereditary | ✓ Yes | ✓ Yes |
| Congenital | ✓ Yes | ✓ Yes |
| Bilateral | ✓ Yes | ✓ Yes |
| Dental | ✓ Yes | ✗ No |
| Behavioral | ✓ Yes | ✗ No |
| Prescription | ✓ Yes | ✓ Yes |
| Alternative Therapies | ✓ Yes | ✗ No |
| Exam Fees | ✓ Yes | ✗ No |
Pricing comparison
| Dog type | ASPCA | Trupanion |
|---|---|---|
| Small (young) | $25–$50/mo | $28–$48/mo |
| Medium (young) | $35–$65/mo | $35–$62/mo |
| Large (young) | $45–$85/mo | $48–$90/mo |
| Brachycephalic | $50–$95/mo | $55–$105/mo |
| Large (senior) | $60–$120/mo | $70–$140/mo |
Plan flexibility
| Option | ASPCA | Trupanion |
|---|---|---|
| Deductibles | $100, $250, $500 | $0, $50, $100, $200, $500, $700, $1000 |
| Reimbursement | 70%, 80%, 90% | 90% |
| Annual limits | $5000, $10000, Unlimited | Unlimited |
Waiting periods
| Type | ASPCA | Trupanion |
|---|---|---|
| Accidents | 14 days | 5 days |
| Illness | 14 days | 30 days |
| Orthopedic | None | None |
Strengths & weaknesses
ASPCA
✓ Optional preventive care wellness plan
✓ Behavioral coverage included
✓ No upper age limit for enrollment
✓ Comprehensive coverage including dental illness
✓ Backed by trusted ASPCA brand
✗ 14-day accident waiting period
✗ 6-month cruciate ligament wait
✗ Underwritten by Crum & Forster not ASPCA directly
✗ Wellness add-on costs extra
Trupanion
✓ Direct vet pay at point of service
✓ No per-incident or annual caps
✓ No orthopedic waiting period
✓ Per-condition deductible (lifetime)
✗ Higher premiums
✗ Only 90% reimbursement
✗ 30-day illness wait
✗ Age limit of 14
✗ No dental/behavioral/alternative
Frequently asked questions
Which is better, ASPCA or Trupanion?
Trupanion has a higher overall rating. ASPCA scores 4.2/5 while Trupanion scores 4.4/5. The best choice depends on your dog's breed, age, and your coverage priorities.
How much does ASPCA cost vs Trupanion?
For a medium-sized young dog, ASPCA costs $35–$65/month while Trupanion costs $35–$62/month. Trupanion is generally more affordable.
Which has better coverage, ASPCA or Trupanion?
Both providers cover core accident and illness expenses. ASPCA processes claims in 10 days on average, while Trupanion takes 1 days. Review the coverage table above for detailed feature-by-feature differences.
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