Trupanion Review | Top 10 Pet Insurance Reviews

Reviewed by:  André Spiteri

 

The Gist

Trupanion has one comprehensive policy that pays out 90% of your actual vet bills. They’re unique amongst pet insurance providers because they offer vet direct pay. This vet direct pay allows Trupanion to pay your vet directly so you don’t have to worry about paying out of pocket.  

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Trupanion Highlights

  • One Simple Plan
  • Vet Direct Pay
  • 90% Coverage
  • No Penalties for filing claims

Pros

  • 90% reimbursement on all policies
  • You choose your deductible
  • No annual or per-incident limits
  • Unlimited lifetime coverage

Cons

  • Waiting Periods: 5-days for accidents; 30-days for illnesses
  • $35 enrollment fee (in select states)

What Trupanion Covers 

Trupanion has one comprehensive coverage plan that covers 90% of your costs after the deductible is met.

Cover 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. Unusually, the policy also covers prosthetic devices and carts.

Where Trupanion shines, however, is in its optional cover for breeding and working pets. This is unique in the pet insurance market.

The breeding pet rider covers your pet in the event of injuries and illnesses related to breeding and birthing.

Animals involved in law enforcement, search and rescue, herding, hunting and other working pets can also be covered at an additional fee. Pet insurance providers normally do not cover these pets because of the increased likelihood of accident or illness.

What Trupanion coversWhat Trupanion doesn't cover
Unexpected injuries, illnesses, accidentsPre-existing conditions
All hereditary/congenital conditions including hip dysplasia Wellness, elective, cosmetic care
Diagnostic tests, surgeries, medications, overnight hospitalizationExam fees
Prescription food, supplementsSales tax
Endodontics of molars

Limits and Deductibles 

Trupanion has a wide range of deductibles to choose from, including the option not to have a deductible at all.

Should you choose a deductible, however, it will be payable per condition and not per year. The advantage is that, if an incident is ongoing and spans more than one year (in the case of chronic conditions, for instance), you’ll only have to pay the deductible once.

Reimbursement is 90% of actual costs across the board, after the deductible. There are no per incident or lifetime caps.

Trupanion's coverage is unlimited for the lifetime of your pet, with no payout caps or limits. Premiums do not increase based on pet's age or number of claims filed. Also, there is no waiting period and no age restrictions for pets with hip dysplasia, and claims are settled within an average of 4 days.

Price

The cost of a Trupanion policy depends on your pet’s age, breed, sex and the standard cost of care in your area. The cost will also be higher if your pet isn’t spayed or neutered.

The cost of insuring a 2 year old mixed breed cat with a $200 deductible is $35.70. There is also a $35 enrolment fee per pet.

This makes Trupanion one of the more expensive pet insurance providers on the market. Some other providers will give you comparable insurance coverage, including unlimited payouts, for less money.

Optional Coverage

Recovery & Complementary Care RiderPet Owner Assistance Package
Rehab therapy3rd party property damage
AcupunctureAdvertising and reward for lost pet
HydrotherapyBoarding fees
Chiropractic careHoliday vacation cancellation fees
Behavior modification/therapyBurial fees

*Terms and conditions may apply. Last updated: August 2017

Age Limits 

Trupanion doesn’t insure pets under 8 weeks old and pets that are over the age of 14 cannot be enrolled. If you enroll your pet before its 14th birthday, it will be covered for its entire life.

Conclusion 

Trupanion is one of the more expensive providers, but they offer a straightforward plan that covers 90% of the cost incurred due to any accident or illness, as long as it isn’t a pre-existing condition. They offer award winning custom service that is open 24 hours a day, seven days a week including holidays. Their vet direct pay is an industry first and allows customers to only pay their 10% + deductible instead of having to pay for the entire invoice and wait for reimbursement. Their special cover for breeding and working pets is unique among pet insurance providers. Trupanion's A+ BBB rating combined with 24/7 phone support plus a 30-day money back guarantee make them one of the best choices in the market. 

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Last Updated:    August 2017

 

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