Years in business
Per Your Choice
Lifelong Coverage AGE LIMIT
Under 14 years of age
VET EXAM COVERAGE
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:
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:
How does Trupanion compare to others?
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.
Trupanion core pet medical insurance plans cover medical conditions, including:
The covered medical treatments include:
Aside from the core coverage, Trupanion also offers “owner assistance” coverage for $4.95 per month, which includes:
Unlike many other pet insurance services, Trupanion offers a comprehensive range of extra benefits under its Recovery and Complementary Care coverage.
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.
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 firstname.lastname@example.org, 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 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.
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.
The pricing of your insurance policy will depend on many variables, including:
There is also a one-time $35 setup fee at the time of registration.
Trupanion customer service is available 24/7. You can contact them in various ways.
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
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:
“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.”
“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.”
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.
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.
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.
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.