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Trupanion Pet Insurance
Overall Rating:
Total Reviews:
29,534
Accident & Illness Coverage:
Included
Wellness Coverage:
Excluded
Average Price Range:
$50 to $58 per month

Trupanion Pet Insurance

Founded and run by pet lovers, Trupanion is one of the fastest growing pet medical insurance providers in North America. Headquartered in Seattle, Washington, Trupanion is the only pet insurance company that is publicly traded. Trupanion’s superior customer service and nearly $1 billion paid out in claims make it one of the best choices on the market.

Trupanion Reviews

Overall Rating

Read some of the most recent Customer Reviews (below) from real pet parents just like you!

 

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Customer Reviews

Coverage

If you’re looking for excellent accident and illness coverage then Trupanion insurance is a great choice. Here is a detailed breakdown of how we evaluate Trupanion coverage.

Coverage Notes

Accident and Illness Coverage

Trupanion offers excellent accident and illness coverage for dogs and cats. The Trupanion policy makes things simple by offering one plan that pays 90% of actual veterinary costs for eligible claims once the deductible for that condition is met with no payout limits. Trupanion is the only provider that can pay their portion of your bills directly to your veterinarian electronically, so you don’t have wait for reimbursement.

*Terms and Conditions apply. Varies state by state. See policy for details.

Coverage Highlights

Additional Coverage Options

Recovery and Complementary Care Rider

  • Acupuncture
  • Behavioral Modification
  • Chiropractic
  • Homeopathy
  • Hydrotherapy
  • Physical and rehabilitative therapy

Pet Owner Assistance Package

  • Advertising and reward
  • Boarding fees
  • Liability coverage for third-party property damage
  • Cremation or burial
  • Holiday vacation cancellation costs

Coverage Details

Trupanion has a wide range of deductibles to choose from, including the option not to have a deductible at all. This means a pet owner can choose from hundreds of price options to pick what works best for their budget. The Trupanion policy also allows you to enroll your pet from birth for true lifelong coverage.

*Terms and Conditions apply. Varies state by state. See policy for details.

Accident & Illness Coverage:
Included
Wellness Care Coverage:
Excluded
Deductible Options:
$0 - $1,000
Reimbursement Options:
90%
Hereditary Disorders:
Included
Minimum Age for Enrollment:
No Minimum
Maximum Age for Enrollment:
14 Years
Waiting Period Accidents:
5 Days
Waiting Period Illnesses:
30 Days
Waiting Period Orthopdic:
30 Days
Policy Exclusions:
Listed Below

Enrollment Requirements

Trupanion Enrollment Requirements

You must provide all medical history and records associated with your pet. You also authorize Trupanion to contact any and all veterinary clinics or hospitals in your area to obtain all available medical records that exist for your pet. Trupanion allows pets to enroll from the time of birth to their 14th birthday.

Cost

Trupanion offers one of the best major medical coverage options in the U.S. Average premium based on $250 deductible, 90% reimbursement, unlimited payouts for 2 year-old mixed breed dog and 3 year-old mixed breed cat, respectively.

Trupanion charges a one-time administration fee of $35.00 at the time of enrollment. *Administration fee varies state by state

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Sample Premiums

Dogs

Average for Dogs:
$58 per month

Cats

Average for Cats:
$50 per month

See How Much It Will Cost You

About Trupanion Pet Insurance

The Trupanion policy covers surgeries, diagnostic tests, medications, treatments, and hospital stays if your pet gets sick or injured. For the veterinary treatment your pet may need, Trupanion will pay 90% of the eligible bill with no payout limits. Trupanion can pay your pet’s veterinary bills electronically directly to participating hospitals. All you have to do is pay your portion of the bill at checkout and Trupanion takes care of the rest.

*Terms and Conditions apply. Varies state by state. See policy for details.

www.trupanion.com

Company:
Policy Options:
Service:

Company Profile

Trupanion was founded in Trupanion was founded by current CEO Darryl Rawlings as Vetinsurance in Canada in 1999. In 2005 the company re-branded to Trupanion and began selling plans in the U.S. Trupanion is a founding member of the North American Pet Health Insurance Association (NAPHIA).

 

Headquarters:
Seattle, Washington
Year Founded:
1999
Leadership:
Darryl Rawlings

Policy Exclusions

A. WAITING PERIODS:

I. Illnesses that occur or reoccur within the 30 days following the Policy Enrollment Date are deemed pre-existing Conditions and not eligible for coverage.

II. Injuries that occur within the 5 days following the Policy Enrollment Date are deemed pre-existing Conditions and not eligible for coverage.

B. PRE-EXISTING CONDITIONS:

I. Illnesses or Injuries for which signs or evidence of their potential manifestation existed within the 18 months prior to the Policy Enrollment Date.

II. Illnesses or Injuries masked or controlled by treatment or Medication at any time during the 18 months prior to the Policy Enrollment Date.

III. Illnesses or Injuries that occurred or began within the 18 months prior to the Policy Enrollment Date and would have been observable or reasonably known to be present by You or Your Veterinarian or that are evidenced by the presence of typical signs, even if they are not noted in Your Pet’s medical records.

IV. The Actual Cost of Treatment for the following if signs or evidence presented on either side of Your Pet during the period 18 months prior to the Policy Enrollment Date through to and including the 30 days after the Policy Enrollment Date: luxating patella, glaucoma, entropion, ectropion, elbow dysplasia, cataracts, prolapse of the tear gland of the third eyelid (cherry eye), and disease, weakness, instability, tear, partial tear or rupture of the cranial cruciate ligament.

V. Hip dysplasia if there was any sign or evidence of the potential manifestation of the Condition any time prior to the Policy Enrollment Date or if the Condition was reasonably known to be present by You, even if not noted in Your Pet’s medical records.

VI. Illnesses or Injuries that arise from a repetitive and specific activity that leads to medical or surgical treatment of Your Pet (e.g., ingestion of foreign materials and bite wounds) if the same or similar activity occurred two times within the 18 month period prior to the Policy Enrollment Date.

VII. The Actual Cost of Treatment for any cutaneous or subcutaneous mass if cutaneous or subcutaneous mass(es) of the same type (determined by diagnostic testing or medical records descriptions) are present during the 18 months prior to the Policy Enrollment Date through to and including the 30 days after the Policy Enrollment Date.

VIII. The Actual Cost of Treatment relating to intervertebral disc disease if there was any sign or evidence of the potential manifestation of it in any part of the spine prior to the Policy Enrollment Date or during any applicable waiting periods.

C. OTHER EXCLUSIONS:

We do not cover at any time or for any reason the costs, fees, or expenses associated with:

I. Examinations;

II. Administrative charges and Taxes;

III. Processing of insurance claims and transmission of medical records;

IV. Preventive care; Injuries due to any intentional act that involves You, or a member of Your household;

VI. Breeding, Illnesses or Injuries related to breeding, whelping, and queening unless You add the Breeding Rider to Your policy;

VII. Elective, cosmetic, or preventive procedures, including, but not limited to: tail docking, ear cropping, declawing, dew claw removal, and microchip implantation;

VIII. Vaccinations, titer tests, flea control, tick control, heartworm Medication, and deworming;

IX. Boarding, medical boarding or transport expenses;

X. Complications or sequelae to Illnesses, Injuries, procedures, diagnostic tests, treatments and/or Medications excluded or restricted by this policy;

XI. Anal gland expression;

XII. Bedding, housing, crates, cages, ramps, feeding bowls / platforms, feeding, exercise, non-prescribed special diets, raw food diets, Pet foods, routine or preventive supplements (unless covered under section 8.C.), bathing, non-medicated shampoo, grooming, nail trims, ear cleaning, ear irrigation, toys, clothes, leashes, collars, and treats;

XIII. Any Illness or Injury resulting from activities related to training for or participating in racing, including track or sled racing;

XIV. Spaying or neutering at any time or for any reason unless recommended by Your Veterinarian following an Illness or Injury that involves damage to the reproductive organs;

XV. Parasite control, including, but not limited to: internal or external parasites;

XVI. Cremation and burial;

XVII. Optional coverage not selected;

XVIII. Any claim for loss that arises from a nuclear reaction, radiation, radioactive contamination, or the discharge of a nuclear device or a chemical, biological, biochemical, or electromagnetic weapon, device, agent, or material, whether controlled or uncontrolled, accidental or otherwise; or

XIX. Any claim for loss that arises from war, invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolution, insurrection, strikes, riots, or civil commotion.

Note: List of exclusions pulled from Sample California policy TRU 00001 (v09.201601)

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