Trupanion Pet Insurance Review 2024 (2024)

• Trupanion Pet Insurance Plans and Coverage
• What Trupanion Pet Insurance Doesn’t Cover
• Trupanion Pet Insurance Waiting Periods
• Trupanion Pet Insurance Coverage Levels
• How Much Does Pet Insurance From Trupanion Cost?
• Most and Least Expensive Dogs to Insure Through Trupanion
• How to Save Money on Trupanion Pet Insurance
• Trupanion Pet Insurance Availability
• Top-Rated Pet Insurance Plans to Consider
• How Does Trupanion Pet Insurance Compare to Other Pet Insurance Companies?
• How to Cancel Trupanion Pet Insurance
• About Trupanion Pet Insurance
• 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 Coverage

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

• Injuries such as a broken tooth or fractured bone
• Illnesses such as vomiting or diarrhea
• Hereditary conditions such as thyroid disease, upper respiratory infections, and elbow and hip dysplasia
• Congenital conditions such as heart disease, liver disease, nervous system issues and cataracts
• Surgeries
• Lab and diagnostic testing
• Hospitalizations
• Prescription medications
• Veterinary supplements
• Herbal therapy
• Lacerations

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

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.

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%.

Your Trupanion pet insurance costs will depend on several factors, including:

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

Small dogs are usually the least expensive for pet insurance. The least expensive dog breeds for Trupanion pet insurance are the Chihuahua, Chiweenie, Danish Swedish farmdog, maltipoo, shichon/zuchon, Shih Tzu and toy Australian Shepherd. The most expensive dogs for Trupanion pet insurance are below.

Company	Company - Logo	Forbes Advisor Rating	Forbes Advisor Rating	Reimbursem*nt Choices	Deductible Choices	Learn More CTA text	Learn more CTA below text	View More
Pets Best		5.0		70%, 80%, 90%	$50, $100, $200, $250, $500, $1,000	See Plans
Embrace		4.5		70%, 80%, 90%	$100, $250, $500, $750, $1,000	See Plans
Paw Protect		4.5		70%, 80%, 90%	$100, $250, $500	See Plans
Fetch		4.0		70%, 80%, 90%	$300, $500, $700	See Plans
Figo		4.0		70%, 80%, 90%, 100%	$100, $250, $500, $750, $1,000, $1,500	See Plans
Healthy Paws		4.0		50%, 60%, 70%, 80%, 90%	$100, $250, $500, $750, $1,000	See Plans
Lemonade		4.0		70%, 80%, 90%	$100, $250, $500, $750	See Plans
Spot		4.0		70%, 80%, 90%	$100, $250, $500, $750, $1,000	See Plans

Reimbursem*nt and deductible choices may vary by state.

The coverage benefits and waiting periods vary by pet insurance company. For example, Trupanion does not have a waiting period for orthopedic conditions, but companies such as Healthy Paws and Pets Best do. Trupanion does not offer an optional wellness plan or have a 24/7 vet helpline, but you’ll find both of these options at Pets Best and with Spot pet insurance.

Trupanion Pet Insurance vs. Healthy Paws Pet Insurance

Trupanion Pet Insurance vs. Pets Best Pet Insurance

Trupanion Pet Insurance vs. Spot Pet Insurance

You can contact Trupanion to cancel pet insurance in the following ways:

• Call 888-733-2685
• Email info@trupanion.com
• Live chat with a representative

Trupanion officially launched in 2000, when it sold its first policy.

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.

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