Top5 Review

Trupanion Pet Insurance Review

Last updated November 7, 2018

Trupanion is a pet health insurance company that covers both dogs and cats. It differentiates itself from other pet insurance companies in its payment structure: the company pays 90 percent of veterinary costs for eligible claims (once the deductible for that condition is met). They also have the option to pay your veterinarian directly so you don’t even have to worry about filing a claim later.

Deductibles are per condition and per lifetime. This means that once the deductible has been paid for a specific condition, you never have to pay a deductible again for that condition. That being said, if your pet is injured or sick multiple times with differing conditions, you will end up paying more in deductibles than you would with another pet insurance provider. Typically a per-condition deductible is more expensive than other plans, but that’s not always the case.

Pros

Trupanion pet insurance

  • 90 percent reimbursement with no payout limits
  • Unlimited annual limit option
  • Optional add-on benefits that cover acupuncture, physical therapy, hydrotherapy, behavioral therapy and more
  • Hip dysplasia has no waiting period and no age restrictions.
  • BBB rating: A
  • 30-day money back guarantee
  • Pet is covered in the U.S., Canada and Puerto Rico

Cons

  • Considered more expensive than competitors
  • $35 administration fee
  • Policies have a five-day waiting period for injuries and 30-day waiting period for illnesses.
  • Allow up to a 20 percent increase in premiums from year to year, depending on where you live
  • Upper age limit: Pets are not eligible for enrollment after their fourteenth birthday
  • No wellness plan
  • Does not cover exam fees

Product Stats

Trupanion pet insurance happy dog

  • Underwriter: American Pet Insurance Company (same as PetsBest)
    • A.M. Best rating: Unrated
  • Per-incident deductible: Most pet insurance companies have an annual deductible, meaning you pay a fixed amount each year. Trupanion’s per-incident deductible means you have to pay a deductible for each new illness or injury your pet encounters. This means you could end up paying multiple deductibles a year.
  • No exam period
  • Trupanion excludes pre-existing conditions, which it defines as:
    • “Illnesses or injuries for which signs or evidence of their potential manifestation existed within the 18 months prior to the policy enrollment date.
    • “Illnesses or injuries masked or controlled by treatment or medication at any time during the 18 months prior to the policy enrollment date.
    • “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.
    • “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.
    • “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.
    • “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.
    • “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.
    • “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.”
  • Claims:
    • Must be submitted within 90 days of the treatment date
    • Paid within 60 days
  • Direct payment to veterinarian: Trupanion offers the option to cut out the middle man (in this case, you) and pay the vet directly. This way you don’t have to worry about submitting claims forms and being reimbursed later. This option is not available at all vets, so make sure to ask in advance should you want to use this benefit.
  • 30-day free look period
  • Dental coverage (optional)
  • Coverage transference: If you become sick or are no longer able to care for your pet, you can transfer your Trupanion policy to a new owner.

Features

Trupanion cat and dog

What Is Covered

  • Accidents
  • Illnesses
  • Hereditary conditions
  • Congenital conditions
  • Diagnostic tests
  • Surgery
  • Hospital stays
  • Medications
  • Prosthetic devices and carts
  • Alternative therapies (optional)
  • Extra coverage for breeding dogs (optional)

What Is Not Covered

  • Pre-existing conditions
  • Exam fees
  • Wellness and preventative care

Optional Coverage Add-Ons

Trupanion provides optional add-on packages, including:

Pet Owner Assistance Add-On Package

The Pet Owner Assistance package costs $4.95/month in addition to the core plan premium. It gives the added benefits of:

  • Boarding fees in the event you are hospitalized
  • Liability coverage for third-party property damage
  • Holiday vacation cancellation costs
  • Cremation or burial for deaths due to an accident
  • Advertising and reward for lost pet

Recovery and Complementary Care Rider

The Recovery and Complementary Care Rider package varies but will never cost more than $30 in addition to the core plan premium. It provides the added benefits of:

  • Acupuncture
  • Chiropractic
  • Homeopathy
  • Hydrotherapy
  • Physical and rehabilitative therapy
  • Behavioral modification
  • Naturopathy

Waiting Periods

Truplan’s waiting periods are in line with pet insurance company competitors and are as follows:

  • 30 days: Illnesses
  • 5 days: Injuries
  • 30 days: Cruciate ligament events and hip dysplasia

Costs

Trupanion happy dog in pail

Sample Rates by Breed

Trupanion’s monthly premiums vary based on a number of factors, including your pet’s breed, age and location. Below are sample rates across a variety of breeds and ages. To get an exact quote for your pet, get a quote from Trupanion

BreedLabrador RetrieverGerman ShepherdYorkshire TerrierMixed Breed Cat
Age4 Months2 Years6 Months4 Years
Male/FemaleFemaleMaleFemaleMale
LocationNew York City (Zip code: 10005)Los Angeles (Zip code: 90010)Chicago (Zip code: 60604)Miami (Zip code: 33114)
Reimbursement Level90%90%90%90%
Annual Deductible$200$200$200$500
Price Per Month$115.07$108.28$48.29$42.69

Deductible

Trupanion has a standard 90 percent reimbursement across all plans, with an optional deductible of $0 to $1,000 and unlimited annual limit.

Trupanion medical insurance for your pet

Conclusion

Trupanion has an excellent history of customer service, and we like the option of having the company pay the veterinarian directly. Its add-on options are another benefit, as is the unlimited annual limit.

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