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Coverage includes diagnosis, surgery, hospitalization and medication for virtually any accident or illness, as long as it isn’t pre-existing. This includes congenital conditions and even non-routine dental coverage. The policy is unique in that it also covers prosthetic devices and carts.
Where Trupanion shines is in the value you get for your pet’s lifetime coverage and the flexibility that the policy offers. Because the policy is month to month, you can adjust coverage without having to wait until your annual renewal or worrying about issues becoming pre-existing. Plus, Trupanion prides itself on offering extremely high value to pet owners. That’s why they always offer 90% coverage and unlimited payouts on eligible conditions. If you’re looking for a premium policy for your best friend, look into a Trupanion policy.
| What Trupanion covers | What Trupanion doesn't cover |
|---|---|
| Eligible accidents and illnesses | Pre-existing conditions |
| Hereditary, congenital, chronic, and bilateral conditions | Wellness protection and exam fees |
| Diagnostic tests, surgeries, medications, medically necessary hospital stays | Elective or cosmetic procedures |
| Prescription food and supplements | Sales tax (where applicable) |
| Emergency dental |
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 for their budget.
Trupanion’s deductibles are per condition instead of per year. The advantage with a per condition lifetime deductible is that if an incident is chronic and continues for more than a year, you’ll only have to pay the deductible for that issue once. Payouts are 90% of actual veterinarian costs, after the deductible as long as they are eligible. There are no per-incident or lifetime caps.
Trupanion has unlimited payout limits for all eligible conditions. Also, unlike many of its competitors, Trupanion has is no waiting period and no age restrictions for pets with hip dysplasia.
The cost of a Trupanion policy depends on your pet’s age, breed, species, gender and zip code.
The cost of insuring a 2-year-old mixed breed cat with a $300 deductible with a Chicago zip code of 60607 is $34.67. In some states, there is an enrollment fee. Trupanion can be on the more expensive side, though their coverage is extremely comprehensive, which can make it well worth the additional cost.
| Recovery & Complementary Care Rider | Pet Owner Assistance Package | Breeding Rider |
|---|---|---|
| Rehab therapy | 3rd party property damage | Queening |
| Acupuncture | Advertising and reward for a lost pet | Whelping |
| Hydrotherapy | Boarding fees | Other accidents and illnesses associated with breeding |
| Chiropractic care | Holiday vacation cancellation fees | |
| Behavior modification/therapy | Burial fees |
You can enroll your pet from birth for true lifelong coverage. All pets are eligible to enroll until their 14th birthday.
Trupanion offers a straightforward plan that covers 90% of all eligible costs incurred due to any accident or illness, but like all pet insurance companies, they don’t cover pre-existing conditions. Their superior customer service is available 24 hours a day, 7 days a week including holidays. And their ability to pay veterinarians directly is an industry first and allows customers to only pay their portion of the bill, instead of having to pay for the entire invoice and wait for reimbursement. Trupanion now covers over 750,000 pets across the US, Canada, and Puerto Rico and has paid out nearly $2 billion in claims, proving it to be one of the most popular choices on the market.
*Based on a December 2020 Trupanion study analyzing third-party hospital claims data, comparing pets insured with a Trupanion policy to pets without a Trupanion policy. Policy options and details vary by state, please review your state’s specific coverage. Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Please visit AmericanPetInsurance.com to review all available pet health insurance products
Terms and conditions apply, please see Trupanion.com for full coverage details. Policy options and details vary by state, please review your state’s specific coverage. Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Please visit AmericanPetInsurance.com to review all available pet health insurance products.
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