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Trupanion Pet Insurance Review

see how Trupanion compares

1 Minute Review

Trupanion offers comprehensive pet insurance policies for cats and dogs of all sizes, breeds and ages. The cost of your cat or dog’s policy will depend on its age, breed, gender and the cost of veterinary care where you live. You can expect a 5-day waiting period for injuries and a 30-day waiting period for illnesses.

Best For

  • Cats and dogs of all sizes, breeds and ages
  • Hereditary conditions
  • Illnesses and injuries

Pros

  • Available in all states
  • Covers diagnostic testing
  • Easy claims process

Cons

  • More expensive than most other providers
  • No mobile app
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Your pet’s your BFF. So we understand how you might want the best pet insurance that exists. Check out Benzinga’s Trupanion pet insurance guide so you understand more about what this company can offer you and your furry companions.

What is Pet Insurance?

Pet insurance is health insurance for your pet. Pet insurance can help cover some of the veterinary bills if your pet is injured or becomes sick. Each pet insurance company and plan offers different levels of coverage. Some may even offer coverage for wellness visits and preventive care. 

Like health insurance, pet health insurance uses terms that you’ll want to become familiar with before you compare plans.

  • Copays: Your pet insurance plan comes with a deductible. After you’ve met your deductible, you’re responsible for a copay for each visit or service covered by your pet insurance plan. Your pet insurance company is responsible for the remainder of the cost. 
  • Deductibles: You’re responsible for meeting your deductible before your pet insurance plan contributes toward the costs of covered services. The deductible is a set amount of money that you choose when you sign up for your plan. You will submit claims to the pet insurance company each time you visit the vet. If the company accepts your claim, the amount you pay will count toward your deductible. 
  • Maximum payouts: Some pet insurance plans will have maximum payout amounts. The maximum payout is the maximum amount of money the pet insurance company will contribute toward your pet’s costs. Some plans may have an annual or lifetime maximum payout, while others may have a maximum payout per incident or illness.
  • Preexisting conditions: You should be aware that pet insurance companies do not cover preexisting conditions. A preexisting condition is defined as any medical condition that your pet is treated for or shows symptoms of before your pet insurance coverage begins.
  • Premiums: The premium is the amount of money you’ll pay monthly for your pet insurance policy. You can adjust factors to raise or lower your premium. Some of the factors that determine your premium amount include where you live, your pet’s age and the deductible you choose.
  • Waiting periods: Your pet insurance policy comes with a waiting period. The waiting period begins when you enroll in the plan and your coverage will not begin until the waiting period ends. Any illness or injury that occurs during the waiting period will not be covered by your pet insurance policy. Your plan may have separate waiting periods for accidents and injuries. 

What States Can You Get Trupanion Pet Insurance in?

Trupanion pet insurance is available in all 50 states.

What Pets Does Trupanion Cover? 

Trupanion offers pet insurance policies for the 2 types of pets most common in American households — cats and dogs.

Trupanion offers comprehensive pet insurance policies for cats and dogs of all sizes, breeds and ages. The cost of your cat or dog’s policy will depend on its age, breed, gender and the cost of veterinary care where you live. You can expect a 5-day waiting period for injuries and a 30-day waiting period for illnesses.

What Coverage Options Does Trupanion Provide?

Trupanion policies over extensive coverage for cats and dogs. A single plan will cover all unexpected injuries and illnesses that your pet encounters while they are covered by the policy.

A Trupanion plan covers:

  • Congenital conditions: A congenital condition is a condition that is present when your pet is born. A congenital condition may include heart disease, nervous system issues, cataracts, liver disease or another condition that is diagnosed by your veterinarian. 
  • Diagnostic tests: If your pet visits the vet and your veterinarian decides that he needs to run diagnostic tests, Trupanion covers them. Diagnostic tests may include blood tests, X-rays, MRIs and other tests as prescribed by your veterinarian.
  • Hereditary conditions: Some breeds are prone to inheriting certain conditions, or hereditary conditions. For example, some breeds such as German shepherds are prone to hip dysplasia. Other hereditary conditions can include diabetes, upper respiratory infections and thyroid disease. Your veterinarian should be familiar with the hereditary conditions that your pet may be prone to. Talk to your veterinarian about these hereditary conditions and what symptoms you should keep an eye out for.
  • Illnesses: Your pet will be fully covered for any new illnesses they may experience. This coverage extends to both major and minor illnesses. For example, you can expect the same level of coverage for a simple urinary tract infection and for a more serious illness such as cancer. 
  • Injuries: Let’s say your pet is injured due to an unforeseen circumstance — you can expect Trupanion to cover it.
  • Medicine and supplements: Your vet may prescribe medication or supplements if your pet is experiencing a condition that requires ongoing treatment. Trupanion will cover these prescriptions if these items are being used to treat a covered condition.
  • Unidentified issues: Trupanion will also cover your pet if your furry companion experiences an unidentified issue. This means that your pet will be covered for veterinary visits for these issues even if there isn’t an official diagnosis. Unidentified issues may include digestive issues such as vomiting and diarrhea, coughing and a change in your pet’s weight.

Trupanion also offers additional coverage to complement its base policies, including:

  • Pet Owner Assistance Package: This package may help you cover some of your pet’s expenses outside of medical services. It gives you coverage for the costs of advertising and rewards fees if your pet goes missing. It can also offer liability coverage if your pet causes 3rd-party property damage. Let’s say you’re hospitalized — it will also cover boarding fees for your pet until you’re out of the hospital. This package also includes coverage for cremation or burial costs if your pet dies due to an accident.
  • Recovery and Complementary Care Rider: This rider offers additional coverage to your pet for services that may fall outside of the scope of Trupanion’s base policy plans. It covers other procedures such as acupuncture, behavioral modification, chiropractic care, homeopathy, hydrotherapy, naturopathy, physical therapy and rehabilitative therapy. Let’s say your pet experiences a condition such as anxiety or joint issues — this rider may be a good option for you. 

Trupanion Pet Insurance Rates 

The premium you can expect to pay for your pet’s insurance policy will vary depending on factors such as their age, breed and the deductible you choose. Here are some examples of monthly premiums for pets of different species, breeds and ages.

PetPlanPrice
Cat: Maine coon — 6 months old$200 deductible plan$58.60 per month
Cat: Maine coon — 6 years old$200 deductible plan$109.61 per month
Cat: Bengal — 6 months old$200 deductible plan$55.42 per month
Cat: Bengal — 6 years old$200 deductible plan$103.29 per month
Dog: Labrador retriever — 6 months old$200 deductible plan$129.40 per month
Dog: Labrador retriever — 6 years old$200 deductible plan$244.63 per month
Dog: German shepherd — 6 months old$200 deductible plan$121.86 per month

Trupanion Pet Insurance Claims

Unlike your health insurance, pet insurance operates on a claims and reimbursement process. Each time you visit the vet or receive an invoice for another covered expense, you should start the claims process. 

Trupanion’s claims process includes:

  • Submission: Submit your claim via online form to Trupanion or email your invoice and claim form to Claims@Trupanion.com. You’ll need to submit your pet’s name, your name, your phone number and your email address, along with an itemized invoice from your veterinarian. Include the name of your veterinarian, the name of the vet who treated your pet and a summary of why your pet needed to visit the vet.

Some veterinary practices partner with Trupanion to offer Vet Direct Pay. If your vet participates in this, they will be able to submit your claim for you.

  • Review: After you’ve submitted your claim, Trupanion will work with your veterinary practice to collect your pet’s medical records. Your claim will then be reviewed by a Trupanion claims specialist. The claims specialist will review your pet’s medical records, your policy notes and the claim information to determine whether your claim is eligible. 
  • Closing: Once the claims specialist has determined the eligibility of your claim, it will be marked as closed. You will receive an email explaining the decision and an itemized breakdown of your claim. If your claim is eligible and you have already met your deductible, you will be reimbursed for the veterinary expenses. If your vet accepts Vet Direct Pay, Trupanion will pay it directly. Otherwise, the money will be deposited into your bank account or you will be mailed a check.

Trupanion Pet Insurance Customer Service

Here are a few different ways to get a hold of Trupanion:

  • Trupanion’s customer service team is available 24 hours a day, 7 days a week. 
  • You can call Trupanion toll free at 1-888-733-2685.
  • You can also email the customer service team at customercare@trupanion.com
  • You may be able to live chat with a member of the customer service team.

Is Trupanion Right for You?

There are a couple of things that set Trupanion apart from other companies, just in case you’re wondering whether you’ve discovered the best: 

  • Vet Direct Pay allows you to visit the vet without paying out of pocket for covered services.
  • Trupanion’s additional coverage options can offer more comprehensive coverage for your pet.

Visit Trupanion to receive a free quote.

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