Trupanion Pet Insurance Review 2024 (2024)

• Trupanion’s Types of Plans and Coverage
• What Trupanion Does Not Cover
• Trupanion Pet Insurance Coverage Levels
• What Are Trupanion’s Pet Insurance Waiting Periods and Age Restrictions?
• How Much Does Pet Insurance From Trupanion Cost?
• Trupanion Pet Insurance Availability
• Trupanion Pet Insurance Claims
• Trupanion vs. Pets Best
• Trupanion vs. Embrace
• Trupanion vs. ManyPets
• About Trupanion Pet Insurance
• Methodology
• Trupanion Pet Insurance Frequently Asked Questions

Trupanion offers an accident and illness pet insurance plan but not an accident-only plan. You can also purchase add-ons to cover expenses such as burial or cremation costs, behavioral modification and physical therapy. Trupanion does not offer a wellness plan for routine exams and preventative care.

Accident and Illness Insurance

Trupanion offers coverage for unexpected illnesses and injuries under one comprehensive plan. It covers problems such as:

	Accidents Such as lacerations, getting struck by a vehicle, broken teeth and swallowing foreign objects.
	Illnesses Such as allergies, cancer, congenital and genetic conditions, diabetes and skin infections.
	Hospitalizations Such as emergency care and surgeries (including anesthesia), vet/technician time and rehabilitation services.
	Specialist Care This includes veterinarians, oncologists, behaviorists and internal medicine experts. This can also include alternative therapy and rehabilitation such as acupuncture, hydrotherapy and chiropractic treatment.
	Prescription Medication This includes prescription medicine for a problem covered by your policy, such as an ear infection. It can also include prescription food if it is prescribed by your veterinarian due to a problem covered by your policy, such as digestive issues.
	Diagnostics This includes tests like CAT scans, blood tests, MRIs and X-rays.

Trupanion Pet Insurance Add-Ons

You can add the following benefits to a Trupanion plan at extra cost:

The Pet Owner Assistance Package. This helps pay for expenses outside of veterinary costs, including:

• Boarding fees if you are hospitalized.
• Advertising and rewards for lost pets.
• Liability coverage if your pet damages someone else’s property.
• Vacation cancellation costs if you cancel your trip because your pet is ill or injured.
• Burial or cremation costs if your pet dies due to an accident.

The Recovery and Complementary Care Rider. This add-on covers non-clinical procedures, including:

• Acupuncture
• Chiropractic care
• Behavioral modification
• Physical therapy
• Homeopathy
• Hydrotherapy
• Rehabilitation therapy
• Naturopathy

Just like other pet insurers, Trupanion applies exclusions to a policy, such as:

• Pre-existing conditions that happen before coverage starts.
• Wellness care such as vaccinations, routine check-ups, or flea and tick prevention.
• Accident and illness vet exam fees.
• Sales tax if it applies to where you live.

Maximum Annual Limit Options

Some pet insurance policies cap the amount they will reimburse you in a given year. Trupanion has only one coverage limit: Unlimited.

Deductible Options

Before your coverage begins reimbursing you, you must pay a set amount toward vet costs, also known as the deductible. Trupanion offers deductibles from $0 to $1,000.

Reimbursem*nt Options

After paying your deductible, your pet insurance company will reimburse you for vet costs up to a certain percentage, known as the reimbursem*nt level. Trupanion has one reimbursem*nt level: 90%.

Pet insurance companies typically have what’s called a waiting period, which is the amount of time before your coverage begins to reimburse you for vet costs. After your waiting period expires, your pet insurance coverage will kick in. Trupanion has the following waiting periods:

• 5 days for accidents.
• 30 days for illness.

Trupanion pet insurance does not have an extended waiting period for problems such as hip dysplasia or cruciate ligament issues.

You can buy your pet a pet insurance plan from Trupanion from the time they are born until their 14th birthday. After your pet turns age 14, you’ll no longer be able to buy a new policy. But if you buy a policy before their 14th birthday and keep it, you’ll have lifelong coverage.

Trupanion pet insurance costs an average of $150 per month for a dog and $65 per month for a cat, according to our analysis of pet insurance costs. That’s for a policy with unlimited annual coverage, a $250 deductible and 90% reimbursem*nt level.

• Type of pet.
• Breed of pet.
• Where you live.
• The deductible amount you choose.

Trupanion Price Comparison for Dogs

Trupanion Price Comparison for Cats

Trupanion Costs vs. Other Top Insurers

Company	Company - Logo	Forbes Advisor Rating	Forbes Advisor Rating	Average monthly cost for dog insurance	Average monthly cost for cat insurance	Learn More CTA text	Learn more CTA below text	LEARN MORE
Pets Best		5.0		$48	$27	See Plans
Embrace		4.6		$76	$37	See Plans
ManyPets		4.6		$49	$30	See Plans
Figo		4.4		$59	$32	See Plans
Lemonade		4.3		$52	$28	See Plans
AKC		4.0		$60	$32	See Plans
Healthy Paws		4.1		$55	$22	See Plans
Trupanion		1.0		$150	$65	See Plans

Source: Forbes Advisor research. Costs are based on unlimited annual coverage ($100,000 for Lemonade) with a $250 deductible and 80% reimbursem*nt level for dogs and cats, ages 3 months, 2 years, 5 years and 7 years. Trupanion does not offer an 80% reimbursem*nt level, rates are based on 90% reimbursem*nt level.

Trupanion pays your vet directly if your vet has Trupanion’s software. If your vet or pet emergency hospital are not set up to accept direct payments from Trupanion, you can file a pet insurance claim:

• Online: You’ll need to log into your account and upload an itemized vet invoice
• Email or fax: You’ll need to download a claim form and send it along with an itemized vet invoice to Claims@Trupanion or fax at (866) 405-4536.

Trupanion sold its first pet insurance policy in 2000.

Trupanion pet insurance is underwritten by American Pet Insurance Co. and insures about 500,000 pets. In addition to offering pet insurance, Trupanion supports pet charities that work to improve the well-being and health of pets around the nation.

To find the best pet insurance, we collected data and scored each pet insurance company for several categories. Only pet insurers offering annual maximum coverage of $100,000 or Unlimited were scored, so that comparisons were fair among companies.

• Pet insurance rates (40% of score): We calculated average rates for medium sized mixed breed dogs age 3 months, 2 years, 5 years and 7 years for plans with unlimited coverage, a $250 deductible and a 80% reimbursem*nt level, or the closest options available.
• Special waiting period (10% of score): Many pet insurance companies have a special waiting period for problems such as cruciate ligament issues and hip dysplasia. Plans that have no waiting period, a waiting period of fewer than six months or the ability to have the waiting period waived scored higher. In certain states waiting periods are dictated by state law and may vary.
• Direct payment to vet (10% of score): Pet insurance companies that have the ability to pay a vet directly earned points.
• 24/7 vet health line (10% of score): Insurers that provide access to a 24/7 vet health line earned points.
• Routine wellness plans (10% of score): Insurers that offer optional wellness plans earned points.
• Pays veterinary exam fees (10% of score): Plans that cover the vet exam fee received points. Not all insurers cover exam fees, even if the fee is for an illness or accident-related visit.
• Euthanasia or end of life expenses (5% of score): Insurers that cover end of life expenses, such as euthanasia, cremation or burial fees, received points.
• Multipet discount (5% of score): Many pet insurance companies offer a discount if you insure more than one pet. Insurers that offer a multipet discount earned points.

Read more: How Forbes Advisor rates pet insurance companies

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