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Trupanion vs. PrudentPet Pet Insurance: In-Depth Comparison

Written by: Kelli Brinegar

Kelli Brinegar

For more than five years, Kelli Brinegar has been using her ability to write and her passion for research to tell the tale of what cats are thinking and why. She has provided care to more than 30 cats in her lifetime.Read more
| Published on April 25, 2022
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Comparing Pets Best and Trupanion Pet Insurance Plans

What’s The Difference Between PrudentPet & Trupanion Pet Insurance Plans?

Thank you for visiting our guide to comparing Trupanion and PrudentPet. Below you’ll find a comparison of plan rates, multi-pet discounts, wellness plans, coverage amounts, and more.

Remember that the easiest way to shop for pet insurance is using a tool such as this to compare pet insurance plans from all the major pet insurance companies at once. With this tool, you can compare rates from PredentPet and Trupanion side by side, as well as other major pet insurers.

PrudentPet & Trupanion: A Complete Breakdown of Dog Insurance Plan Benefits

The comparison below will show you the pet insurance plan features of PrudentPet and Trupanion, as well as many of the other top pet insurance brands.

Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Company
Company
Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Annual Coverage
Annual Coverage
$5,000 or Unlimited
Up To $100,000
Unlimited
Unlimited
$5,000 or Unlimited
Unlimited
$10,000 or Unlimited
$5,000 - $30,000
Unlimited
Multi-pet Discount?
Multi-pet Discount?
Yes
Yes
No
No
Yes
No
Yes
Yes
No
What They Do Best
What They Do Best
Best for plan customization
Great pricing for puppies & kittens
$0 copay option. No fees for paying monthly.
Best for paying claims to veterinarian direct
Short waiting periods
Best for paying claims fast
Best Trustpilot reviews
Best plan for superior benefits
Fast claims. Wellness plan available.
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
4.3 / 5
4.6 / 5
4.7 / 5
4.5 / 5
4.1 / 5
4.4 / 5
4.5 / 5
4.5 / 5
4.1 / 5
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Yes
Yes
Yes
No
No
No
No
Yes
Yes
Example Quote for 1 Year Old 30 lb Mixed Breed
Example Quote for 1 Year Old 30 lb Mixed Breed
$35.81 per month
$20.00 per month
$30.00 per month
$68.25 per month
$69.30 per month
$26.25 per month
$73.46 per month
$42.35 per month
$15.00
Reimbursement Amount
Reimbursement Amount
90%, 80%, or 70%
90%, 80%, or 70%
90%, 80%, or 70%
90%
100%, 90%, 80%, or 70%
90%, 80%, 70%, 60%, or 50%
90%, 80%, or 70%
90%, 80%, or 70%
100% or 90%
Annual Deductible
Annual Deductible
$50, $100, $200, $250, $500, or $1,000
$100, $250, or $500
$100, $250, or $500
$0 to $1,000
$100, $250, $500, or $750
$100, $250, $500, $750, or $1,000
$100, $250, $500, or $1,000
$200, $300, $500, $750, or $1,000
$250, $500, or $1,000
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
iHeartDogs is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you.

Free Side by Side Quote Comparison Between Trupanion and Prudent

To receive your no-obligation quote comparison between Trupanion and PrudentPet, fill out the form below.

Common Questions About PrudentPet Vs. Trupanion

Coverage Amounts: PrudentPet vs. Trupanion

Trupanion offers unlimited coverage with their plans, while PrudentPet allows pet parents to choose between a $10,000 coverage cap or an unlimited one. While unlimited coverage surely sounds better, $10,000 would cover a healthy amount of any emergency costs within one year.

Multi-Pet Discounts: PrudentPet vs. Trupanion

PrudentPet offers a multi-pet discount, so you can cover all the furry family members on one plan and only pay one monthly premium. Trupanion does not offer a multiple pet discount at this time. But the upside of a single pet plan means tailored coverage for each pet’s specific needs.

What are the Reimbursement Amounts for Trupanion vs. PrudentPet?

PrudentPet gives you a choice of 90%, 80%, or 70% reimbursement options. Trupanion only offers a 90% reimbursement option. When considering which reimbursement option is right for you, remember, the higher your reimbursement amount, the higher your monthly premium. 

What is the Annual Deductible for Trupanion vs. PrudentPet?

PrudentPet’s deductible options are $100, $250, $500, or $1,000. Trupanion allows deductibles anywhere from $0 to $1,000, making these companies about equal in this regard. And here’s something to keep in mind, the higher the deductible amount, the lower your premium will be.    

Does PrudentPet or Trupanion Offer a Wellness Plan for Preventative Care?

At this time, neither PrudentPet nor Trupanion offers a wellness option that covers preventative care like annual exams, dental screenings, and vaccines. But even without the preventive care options, either company will help save you big when illness or injury strikes.

Who is Cheaper: PrudentPet or Trupanion?

When comparing PrudentPet and Trupanion quotes side by side, with each plan including unlimited coverage options, Trupanion comes in a few dollars cheaper. For our example quote, we compared Trupanion and PrudentPet prices based on a 1-year-old 30 lb mixed-breed dog living in Texas zip code 75001. Remember that your location, dog’s age, breed, gender, and other factors significantly affect your pricing. The best way to know whether PrudentPet or Trupanion is cheaper is to run a comparison quote here.

The Bottom Line: Who is Better, PrudentPet or Trupanion?

This was a close race as Trupanion appears to be a cheaper option than PrudentPet, but when considering multi-pet discounts, PrudentPet allows you to purchase one plan for one monthly premium. Still, PrudentPet takes the edge as they also allow you more options for tailoring annual coverage caps and reimbursement amounts. Either way, you can’t go wrong because both companies are very reputable and popular with iHeartDogs readers, with PrudentPet receiving 4.5 out of 5 stars and Trupanion receiving 4.5 out of 5 stars.

Run a No Obligation Comparison Quote Between Trupanion and PrudentPet

[19] Trupanion Insurance Customer Reviews (2022)

iHeartDogs created surveyed our readers in 2022 about their experience with Trupanion and other major pet insurance plans.

Overall Pets Best received a 4.5 out of 5 rating:

⭐⭐⭐⭐⭐ - Zero deductible, very quick turn around. Emergency vet takes payment directly from company. Insured at 14 weeks so no pre existing conditions. - Trupanion review by Robin, Fort Myers

⭐⭐⭐⭐⭐ - They may be expensive, when I first got it the price was $62 a month and it gradually went up to $72 a month and then jumped to $100 the next year... now $116... but they have paid for 2 ACL operations, and amputation and Chemotherapy for my Bulldog, they are 24/7 human contact, direct payment to hospitals, They have SAVED my dog's life and allowed her live longer ... best decision I ever made - Trupanion review by Paul, Wakefield

⭐ - They ignore paying what they owe. One year to get them to do it. Then again, another year to get paid. My veterinarian had to argue for months. We are in another arguing cycle. It’s been ten months. - Trupanion review by Leslie, Denver

⭐⭐⭐⭐⭐ - They are great in reimbursing you on what's been paid and I like the fact they pay 90/10. Really helped when my boy was diagnosed with inoperable bladder cancer and we took him to Ohio State Veterinary Clinic for his treatments. Sadly he passed away 2 years ago from a massive stroke, not the cancer we thought might take him. OSU was great. Have other animals covered by them also and have just gotten a puppy who I signed up right away. Will recommend them 100 %! - Trupanion review by Susan, Miamisburg

⭐⭐⭐⭐⭐ - There is nothing that I don't like about this Company - Trupanion review by Maura, Conception Bay South

⭐⭐⭐⭐⭐ - Quick, easy, dependable. A life saver, literally. - Trupanion review by Laurie, Lowell

⭐⭐⭐⭐⭐ - Process and reimburse quickly - Trupanion review by Kathy, Delray Beach

⭐⭐⭐⭐⭐ - Price is fair and reimbursement I s fast - Trupanion review by Bsrb, Northville

⭐⭐⭐⭐⭐ - Pick your deductible and reasonable price. Also trustworthy - Trupanion review by Chris, Southington

⭐⭐⭐⭐⭐ - Our golden retriever was very prone to illness- epilepsy, bladder stones, digestive issues, knee surgery, autoimmune immune issues. We incurred over $30,000 of veterinary expenses in an 18 month time period, and over 80% was covered by our policy. Having Trupanion made it possible to give my baby the best possible care. - Trupanion review by Lori, Lambertville

⭐⭐⭐⭐ - No annual max , deductible applies to each illness, or accident - Trupanion review by Mary, Coeur d'Alene

⭐⭐⭐⭐⭐ - My dog was a middle-aged rescue from the shelter, and they had no problem insuring her. I have since had issues to be covered, and they were, without question. I was paid within days. The first time took a little longer because they wanted information from the vet. I couldn't be happier. - Trupanion review by MK, Rancho Cordova

⭐⭐⭐⭐⭐ - Love that I get to choose my deductible and get 90% back on everything but office visits. Dislike that they don’t cover wellness but I have had great experiences when filing claims and get paid back very quickly. - Trupanion review by Lynne, Walpole

⭐⭐⭐⭐⭐ - I love the peace of mind I have knowing my dog can get the best care - Trupanion review by Cathy, Calgary

⭐⭐⭐ - I like that they are speedy and easy to use. I don't like that they don't cover regular maintenance office visits. - Trupanion review by kathy, Everett

⭐⭐⭐⭐⭐ - Great coverage options - Trupanion review by Deb, Cedar Rapids

⭐⭐⭐⭐⭐ - Cover exactly what they say they do and do not quibble about costs or delay paying claims. - Trupanion review by Karen, Jackson

⭐⭐⭐⭐⭐ - Been excellent for one dog not so good for my second dog - Trupanion review by Susie, Des Moines

⭐⭐⭐⭐⭐ - 90% direct coverage for anything accidental abs emergency.
- does not cover routine procedures (vaccines, dentals, spays/neuter etc) - Trupanion review by Amanda, Calgary"

[5] Prudent Pet Insurance Customer Reviews (2022)

iHeartDogs created surveyed our readers in 2022 about their experience with Prudent Pet and other major pet insurance providers.

Overall Prudent Pet Insurance received a 4.5 out of 5 rating:

⭐⭐⭐⭐⭐ - This was my first time purchasing pet insurance and Pati was a big help! She explained everything in an easy to understand way and was there to answer all my questions. Would highly recommend! - Kyla

⭐⭐⭐⭐⭐ - Great Customer Service- While searching for pet insurance, I looked into and called multiple services. Stephanie Toppel was really great at answering all of my questions by responding right away and giving me a straight and honest answer. Pet insurance has a lot of ins and outs to it and I now feel very comfortable that I choose the best company for me. - Kari

⭐⭐⭐⭐⭐ - We just signed up with Prudent Pet and are already extremely impressed with them. I got quotes from 6 different pet insurance companies and I love the fact that Prudent is one of the very few that offer preventative care as well. We have a big family so every penny counts- including annual exams, shots, etc because it all adds up! I got a quote on Sunday afternoon from their website and first thing Monday morning a customer service representative called me to follow up on my quote. None of the other companies did that at all whatsoever. She also spent 45 minutes on the phone with me explaining every detail of the coverage with me and letting me know my options. She answered every question I could think of and was so patient and friendly about it despite me taking up so much of her time with my endless inquiries. She made me feel right at ease. I’m really excited for my dog’s new coverage we can’t wait to see how it all works out. I feel relieved that now I don’t have to worry about some expensive bill coming up that we can’t afford. This makes it much easier on our family and gives us a peace of mind that we can give our dog quality care at any time. - Alexandra

⭐⭐⭐⭐ - We just purchased our policy so I can’t review on the coverage or claims process, but customer service was exceptional. Patricia Ostaszewski was great and assisted us with all of our questions and concerns and set up the policy for us. I do wish the policy listed more details regarding coverage. - Ariel

⭐⭐⭐⭐ - I just bought this plan. So far no problems. The only thing was after I applied the info said I would get an email for me to set up my password, I didn’t get one so I called and they told me what to do. Everything ok now. - Patricia

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