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2020’s Trupanion Reviews [Coverage, Waiting Periods, Deductibles]

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Strengths

  • 90% reimbursement without payout limits
  • No age restriction for hip dysplasia
  • 30-day claim reimbursement
  • The American Pet Insurance Company is underwriter

Weaknesses

  • Charges a $35 administrative fee (one-time only)
  • Does not have a multi-pet discount
  • No wellness plans

Breakdown

Years in business

20

CLAIMS PROCESSING

7-30 Days

BBB RATING

A+

DEDUCTIBLES

Per Your Choice

Lifelong Coverage AGE LIMIT

Under 14 years of age

VET EXAM COVERAGE

No

Trupanion was founded in 2000 to help cats and dogs get the best emergency care they need.

It has a straightforward insurance plan with unlimited benefits, low annual premium increases, and a high level of transparency – things often noted in various Trupanion reviews. All of this places it among the top pet insurance companies for your cat or dog. 

In this guide, we will provide a review of the Trupanion pet insurance plans including their:

  • Key features and extra benefits
  • Pet insurance plans and coverages
  • Deductibles and waiting periods
  • Exclusions and limitations
  • Claims and repayments
  • Pros and cons
  • Customer pet insurance reviews

Key Trupanion Pet Insurance Details 

There are plenty of reasons why Trupanion stands out from other top pet insurance companies.

Below are some of the key features that make Trupanion medical insurance for dogs and cats worth considering:

  • There is no exam period.  
  • It uses American Pet Insurance Company as its underwriter.
  • Unlike other pet insurance providers, Trupanion has a lifetime per condition deductible rather than an annual deductible. This means pet owners won’t have to pay multiple times for the same health conditions that occur several times.
  • It provides you with an option to pay vets directly, so you don’t have to pay large medical bills in advance.
  • It continues insurance coverage even after the policy is transferred to a new owner.

Trupanion Dog and Cat Insurance Coverage

Instead of the numerous pet insurance plans & coverages offered by other pet insurance companies, Trupanion offers just one basic insurance plan for cats and dogs that pays out 90% of your pet’s eligible expenses, regardless of the cost of treatment.

Some pet insurance companies may drop your coverage once a pet exceeds a certain number of claims; however, Trupanion has no such limit. It also provides the same amount of coverage regardless of your pet’s age.

One of the features that set Trupanion apart from other companies, judging by Trupanion reviews, is its lifetime per-condition deductible policy which allows you to pay one deductible for a given condition for the whole duration of your pet’s life. This policy is particularly useful for pets that have chronic illnesses.

Core Coverage

Trupanion core pet medical insurance plans cover medical conditions, including:

  • Accidental injuries
  • Illnesses
  • Hereditary and congenital conditions
  • Chronic illnesses
  • Dental illnesses
  • Cancer

The covered medical treatments include:

  • Diagnosis
  • Hospitalization
  • Prescription medication
  • Prescription food 
  • Emergency care
  • Specialty care
  • Behavioral therapy
  • Alternative care
  • Mobility aid and prosthetics

Owner Assistance Package

Aside from the core coverage, Trupanion also offers “owner assistance” coverage for $4.95 per month, which includes:

  • Boarding fee for pet hospitalization
  • Holiday vacation cancellation costs
  • Cremation or burial costs for the pet (in case of death due to accident)
  • Liability coverage for third-party property damage
  • Advertisement and rewards in the case of lost pets

Extra Benefits

Unlike many other pet insurance services, Trupanion offers a comprehensive range of extra benefits under its Recovery and Complementary Care coverage.

These include:

  • Physical and rehabilitative therapy
  • Acupuncture
  • Chiropractic treatment
  • Homeopathy
  • Hydrotherapy
  • Naturopathy
  • Behavioral modification

Exclusions and Limitations

Trupanion focuses on unexpected medical care; therefore it does not have a wellness plan and does not cover preventive care, as well as spaying and neutering of your pet. It also does not cover exam fees for your pets or taxes.

Claims and Repayment

  • Claims may be reimbursed within 60 days, although their advertised response time is within 7 days.
  • Trupanion is one of the very few pet insurance providers that have the ability to pay your veterinarian or pet hospital directly. This is a very useful benefit of Trupanion as it eliminates the hassle of dealing with medical treatment providers on the part of the customers, and you will not need to deal with out-of-pocket expenses while waiting for reimbursement.
  • Trupanion also offers Vet Direct Pay in partnership with various vets and enables the pet insurance company to pay on your behalf.

So, how does Trupanion pet insurance work?

Step 1: Claim submission

To submit a claim you can fill an online form or send an email to claims@trupanion.com, along with your invoice and form. The form will include the details of your pet as well as your name, phone number, and email address. You will also need to include the name of the vet who treated your pet and the reason why your pet needed a health care visit.

Step 2: Claim evaluation

Once your claim has been submitted, Trupanion will work with the vet practice to gather your pet’s medical records. Your claim, your pet’s medical records, and the Trupanion health insurance policy notes will undergo a review by a claims specialist who will determine if the claim is valid.

Step 3: Claim approval

Once the claim has been proven to be eligible, you will receive an email detailing the itemized breakdown of your claim and explaining the decision.

If you have already met your deductible, you will be reimbursed for the expenses, while if you haven’t paid yet and your vet is partnered with Vet Direct Pay, Trupanion will make the payments directly to your vet.

Unlike other pet insurance companies, Trupanion does not have different reimbursement options. It only offers 90% deductible, which is a very generous reimbursement. However, some customers may prefer a lower reimbursement percentage coupled with a lower monthly premium.

Trupanion Medical Insurance Waiting Periods

Trupanion has ✅  a 5-day waiting period for accidental injuries and ✅  a 30-day waiting period for illnesses. It also has ✅  a free-look waiting period of 30 days.

Trupanion offers highly rated medical insurance for pets and one of the things highlighted in many reviews is that, unlike other companies, Trupanion does not specify a waiting period for maladies like dysplasia.

Deductible

A Trupanion policy differs from other pet insurance policies because it offers a lifetime per-incident deductible, rather than an annual one. This means that your deductible does not reset after each year, and you only have to pay it once if your pet develops a new condition. This is seen as a great advantage in many customer pet insurance reviews, especially by owners of pets with a chronic condition.  

Once your deductible has been paid, the insurance coverage will pay out 90% for any treatment related to that condition for the lifetime of your pet, without any recurring costs.

Pricing & Plans

The pricing of your insurance policy will depend on many variables, including:

  • The age, gender, and breed of your pet
  • Geographical location
  • Health conditions
  • The average cost of treating injuries and illnesses of a similar pet in your area
  • Deductible amount
  • Federal, state, and local taxes
  • Vet exam fees
  • Other associated costs not covered by a policy

There is also a one-time $35 setup fee at the time of registration.

Customer Service

Trupanion customer service is available 24/7. You can contact them in various ways.

  • Their toll-free helpline number is 1-888-733-2685
  • You can email the customer care department at customercare@trupanion.com
  • Trupanion also has a live chat service

Pros & Cons

30-day claim reimbursement

No age restriction for hip dysplasia

90% reimbursement without payout limits

Trupanion reviews on BBB give it an A+ rating

The American Pet Insurance Company acts as its underwriter

Services provided in numerous locations in the United States, Canada, and Puerto Rico

Offers a comprehensive set of additional benefits for an extra charge

$35 administrative fee (one-time only)

Pets cannot be enrolled after they are 14 years old

5 to 30 days waiting period for accidents and illnesses

Limitations on pets which have not been neutered or spayed after their first birthday

Trupanion Reputation

Thousands of customers have reviewed Trupanion on various customer review sites including Better Business Bureau, Consumer Advocate, ConsumerAffairs, Trustpilot, Yelp, and Glassdoor. There are both positive and negative Trupanion pet insurance reviews. Here are examples of both:

Trupanion Pet Insurance Most Helpful Reviews 

“We—and our little Cavalier Spaniels—have been with Trupanion for over a decade, after spending countless hours researching best pet insurance options and providers. Trupanion made it possible for us to pursue cancer treatment for our sweet girl, Molly, and give her another 2 healthy, happy years after her initial diagnosis. Trupanion also supported her eye care and medications for many years. Over the course of her life, we submitted well over a 100 claims, and never—not a single time—did we have any trouble with the claims process, have to fight for a claim, or file an appeal. The claims process is extremely simple and takes less than 2 minutes to complete, and the money is in our account within just a few days.”

  • Brandy of Atlanta, GA, ConsumerAffairs, March 27, 2020

Trupanion Pet Health Insurance Negative Reviews 

“I received an offer from my Vet that stated I would receive immediate coverage with no associated fees and no waiting period. I asked for a quote for a mixed breed dog that was 21-50 lbs. The quote online was for $37. When I called, I was charged $90. I also didn’t get immediate coverage. I was still told I had to wait 10 days. I then made multiple calls to the company to cancel my policy and was told there was no one available to cancel it – and I would also have to wait 14 days for a refund of the policy price I paid. This is horribly inappropriate and just plain bad business. Will never recommend or do business with this company ever again.”

  • Customer at BBB, March 17, 2020

Which is Better, Healthy Paws or Trupanion?

  • Trupanion and Healthy Paws offer almost identical insurance coverage. However, Trupanion also offers alternative/holistic therapy for an extra cost, while Healthy Paws does not cover this or behavioral therapy.
  • Trupanion offers a lifetime per-condition deductible, while Healthy Paws has an annual deductible.
  • Trupanion has a waiting period of just 30 days for hip dysplasia, while Healthy Paws has a waiting period of 12 months.
  • Trupanion has a more expensive premium than Healthy Paws.

Both companies are leaders when it comes to pet insurance companies, and, judging by Healthy Paws and Trupanion reviews, they are equal when it comes to features and benefits.

Is Trupanion a Good Pet Insurance Option?

One of the biggest differences between Trupanion pet insurance plans and other companies’ plans is that Trupanion offers a less complicated policy, which is a definite plus for some customers. Additionally, it also offers 90% deductible without a payout cap and a lifetime per-condition deductible.

However, on the flip side, it provides no coverage for pre-existing conditions, and its monthly premium is a bit expensive compared to other companies. Moreover, many Trupanion reviews claim that the company should provide quicker reimbursements.

Therefore, it is best to carefully consider its pros and cons before picking Trupanion as your pet insurance provider – make sure the benefits it offers truly fit you and your pet.

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FAQ

Does Trupanion Cover Pre-Existing Conditions?

Trupanion pet medical insurance plans do not cover pre-existing conditions. A pre-existing condition is defined as a medical condition that was discovered during your waiting period or 18 months before your pet insurance coverage began. This means that if your pet became sick once and the incident occurred about two years ago, it will not be counted as a pre-existing condition. Even if your pet shows signs of a pre-existing condition, it will still be eligible for coverage of new accidental injuries and illnesses.  Trupanion will consider cats and dogs between the age of 8 weeks and 14 years old.

What does the Trupanion cat insurance cost?

If you want examples, on an average, the owner of a 6-month old Maine Coon cat will have to pay a $58.60 monthly fee, while a 6-year old cat of the same breed will have a $109.61 monthly fee. For an example of the Trupanion dog insurance coverage costs, a 6-month old Labrador Retriever dog will have a $129.40 monthly fee, while a 6-year-old one will have a $244.63 monthly fee.