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Trupanion pet insurance review Oct 2020

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Stop waiting for reimbursements and let your insurance company pay your vet directly.

  • Get a quote if you’re looking for a simple plan and don’t mind paying extra for lifetime coverage.
  • Pick something else if you want more customizable policies.
  • Best for pet owners who also need coverage in Canada or Puerto Rico.

Dogs, Cats

Pets covered

Up to 14 years

Age

$0 - $1000

Deductible

Up to 90%

Reimbursement

Details

Average monthly cost $29
In-network only Yes
Types of policy Accident, Illness
Chronic disesase Yes
Cancer coverage No
Dental coverage Emergency
Multi-pet discount Not offered
Bundling discount Not offered
Paid in ful Not offered

Expert review

Heather Petty

Review by


Heather Petty is a writer at Finder specializing in banking, investments and insurance. She's a self-proclaimed word nerd who worked as a technical writer and editor for the casino systems industry and is an internationally published young adult mystery author. Heather earned a bachelor’s degree in English from the University of Nevada, Reno.

Expert review

Trupanion’s less complicated take on pet insurance will appeal to anyone looking for a simple plan and who would rather not deal with the reimbursement process. But their policy tends to be more expensive than others, and the only way to adjust the premium to meet your budget is to accept a higher deductible. If you’d rather find a carrier with lower premiums, take the time to compare your options and find a better fit for you.

How much is Trupanion pet insurance?

Trupanion offers one plan and allows you to adjust your monthly premium based on the deductible amount you select. Your choices of deductible include $0, $200, $700 or a custom amount you choose for yourself. To show the difference in price between deductible amounts, we got quotes for two pets, a two-year-old, domestic shorthair cat and a two-year-old, medium-sized, mix-breed dog. All quoted premiums are charged monthly.

Trupanion pet insurance quotes

CatDog
$0 deductible$52.98 premium$96.13 premium
$200 deductible$33.21 premium$57.83 premium
$700 deductible$20.94 premium$34.05 premium
Custom deductible of $1,000$16.88 premium$26.18 premium
Recovery and Complementary Car Rider$3.60/month$6.97/month
Pet Owner Assistance$4.95/month$4.95/month

How do I make a claim with Trupanion?

Instead of paying out of pocket and having to be reimbursed you can use the following steps to make sure your claim is paid:

  1. If your vet is partnered with Trupanion, the vet can pay using Vet Direct Pay by submitting an invoice.
  2. If your vet does not have Vet Direct Pay, they can still submit the invoice online, and you need to follow up by submitting the claim form online or by email.
  3. Once the claim is paid, Trupanion submits payment directly to the vets office.

Pros and cons of Trupanion

Pros

  • High level of coverage. The Trupanion plan provides 90% reimbursement with no payout limits.
  • Pays vet directly. You don’t have to deal with making a claim and waiting for reimbursement. Trupanion can pay your vet directly.
  • Coverage not based on age. Premiums won’t increase based on the age of your pet, and procedures like hip dysplasia surgery are covered with no age restrictions.
  • Coverage outside the contiguous US. Your pet is covered in the US, Canada and Puerto Rico.

Cons

  • More expensive. Because Trupanion only allows you to adjust the deductible to control the premiums you pay, plans can be more expensive than those offered by other companies.
  • Waiting periods. Although less complicated than other insurers, Trupanion policies have a five-day waiting period for injuries and 30-day waiting period for illnesses and orthopedic procedures.
  • No exam fee coverage. Trupanion covers most accident and illness treatments, but not the exam fee you pay for taking your pet into the vet.
  • No options for older pets. Pets 15 and older aren’t eligible for new policies, but if you enroll before that age, your pet is covered for its lifetime

What pet insurance coverage does Trupanion offer?

Trupanion offers one plan with the following coverage:

  • Unexpected injuries and illnesses. Treatment is covered if your pet is involved in an accident or comes down with a sudden illness.
  • Hereditary conditions. Breed-specific issues such as dysplasia and inherited illnesses such as thyroid problems or diabetes are all covered.
  • Congenital issues. Conditions your pet has had from birth are covered, including cataracts, heart disease and liver disease, as long as no symptoms have developed before you purchase your policy.
  • Unidentified issues. If no diagnosis is available, but your vet is treating your pet’s symptoms, those treatments are still covered.

What extra benefits and add-ons does Trupanion offer?

In addition to the standard care coverage, Trupanion offers a couple of add-ons for an additional charge:

  • Nonclinical procedures. The Recovery and Complementary Care Rider covers the following procedures and therapies for your pet: acupuncture, behavioral modification, chiropractic, homeopathy, hydrotherapy, naturopathy, physical therapy and rehabilitative therapy.
  • Nonveterinary expenses. The Pet Owner Assistance Package provides coverage for unexpected pet expenses, such as boarding fees if you are hospitalized, liability coverage for third-party property damage, expenses related to an unexpected pet death and the search and posted reward for a lost pet.

What’s not covered by Trupanion pet insurance?

Trupanion doesn’t cover expected expenses related to having a pet, only the unexpected. For that reason, your policy has the following exclusions:

  • Exam fees. No exam fees are covered, even when related to covered accidents and illnesses.
  • Wellness care. Trupanion doesn’t cover annual checkups, vaccines, or any other preventative care.
  • Taxes. You are responsible for any taxes charged as part of your bill.
    Pre-existing conditions. As with all pet insurance, Trupanion doesn’t cover pre-existing conditions.

Trupanion pet insurance reviews and complaints

Trupanion has an excellent rating on TrustPilot, with an average 4.3 stars after over 1,900 customer reviews. Trupanion is accredited with the Better Business Bureau and has an A- rating as of October, 2020.

Trupanion has been subject to government action from both Washington and California having to do with the licensure of their staff. In Washington, Trupanion was fined $100,000 in June of 2019 for violating marketing regulations that stipulate you can’t give more than $100 in gifts in exchange for customer referrals. The Trupanion gifts were worth $133.

They also allowed unlicensed representatives to sell pet insurance. This was Trupanion’s third fine in four years. The investigation in California was still active as of January 2019, where Trupanion is being accused of allowing unlicensed representatives to sell almost 20,000 insurance policies worth over $18 million.

Alternatives to Trupanion

See how Trupanion’s cost and many policy offerings compare to other pet policies on the market:

Name Product Pets covered Seniors accepted Hereditary conditions Chronic illness
Petplan
Dogs, Cats
Cover unexpected vet bills from emergency exams, injuries, surgery and more.
Embrace
Dogs, Cats
Enjoy extra benefits with coverage for exam fees, curable conditions and wellness visit reimbursement.
Pet Assure
Dogs, Cats, Horses
Save up to 25% on all vet bills including wellness and dental visits for as little as $10/month.
PetFirst
Dogs, Cats
Get coverage starting at $9 per month for cats and $15 for dogs. Talk to an agent at 888-738-0683.
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