Trupanion Pet Insurance Review 2023 Pros Cons Verdict

Trupanion Pet Insurance Review

Pros

Available in 50 states, Canada and Puerto Rico

No payout limits ever

Coverages for accidents and illnesses

Covers up to 100% of eligible expenses

All breeds are eligible

Can pay your vet directly at the checkout in seconds!

Cons

No wellness coverage

Does not cover exam fees

Doesn’t cover preexisting conditions

Other Top-Rated Pet Insurance Companies

Best Overall

Our rating: 4.6 / 5

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Most Customizable

Our rating: 4.4 / 5

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Best for Wellness Plans

Our rating: 4.0 / 5

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About Trupanion

Trupanion is one of the leading providers of pet insurance in the United States. They offer a variety of plans and coverage options to fit the needs of any pet owner.

Our Final Verdict We give Trupanion Pet Insurance a rating of 4.7 out of 5 stars.

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We give Trupanion Pet Insurance a rating of 4.7 out of 5 stars.

Available in 50 states, Canada and Puerto Rico

No payout limits ever

Coverages for accidents and illnesses

Covers up to 100% of eligible expenses

All breeds are eligible

Can pay your vet directly at the checkout in seconds!

Available in 50 states, Canada and Puerto Rico
No payout limits ever
Coverages for accidents and illnesses
Covers up to 100% of eligible expenses
All breeds are eligible
Can pay your vet directly at the checkout in seconds!

No wellness coverage

Does not cover exam fees

Doesn’t cover preexisting conditions

No wellness coverage
Does not cover exam fees
Doesn’t cover preexisting conditions

Best Overall

Our rating: 4.6 / 5

COMPARE PLANS

Most Customizable

Our rating: 4.4 / 5

COMPARE PLANS

Best for Wellness Plans

Our rating: 4.0 / 5

COMPARE PLANS

Best Overall

Our rating: 4.6 / 5

COMPARE PLANS

Most Customizable

Our rating: 4.4 / 5

COMPARE PLANS

Best for Wellness Plans

Our rating: 4.0 / 5

COMPARE PLANS

Best Overall

Our rating: 4.6 / 5

COMPARE PLANS

Our rating: 4.6 / 5

Most Customizable

Our rating: 4.4 / 5

Best for Wellness Plans

Our rating: 4.0 / 5

Trupanion has several features that make them stand out from other pet insurance companies.

One unique feature of Trupanion is that they have no payout limits. This means that you will never have to worry about your coverage running out. Additionally, they cover a variety of alternative treatment options, such as acupuncture and chiropractic care.

Trupanion also covers up to 100% of eligible expenses, which is one of the highest reimbursement rates in the industry. They can also pay your veterinarian directly at checkout, within seconds, so all you have to pay is your portion of the bill.

However, there are some drawbacks to Trupanion pet insurance, like their policies not covering wellness care or preexisting conditions.

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Pricing & Plans (Updated in 2023)

Pet Insurance Cost Comparison

Company Sample Monthly Cost for Dogs Sample Monthly Cost for Cats Learn More

Trupanion $29.70 $12.22 Get Quote

Lemonade $19.44 $11.00 Get Quote

Spot $36.54 $16.51 Get Quote

Wagmo $70.12 $30.88 Get Quote

Fetch $26.89 $11.93 Get Quote

Trupanion’s Base Policy

The base policy has unlimited payout amounts, but not unlimited coverage. That means they will only pay so much per accident, illness, or injury, but they’ll pay for unlimited injuries. Here are the coverage limits from their website:

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Find The Best Pet Insurance Companies in 2023

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Accident Type Coverage Limit

Foreign body ingestion Up to $2,856

Hit by a vehicle Up to $11,902

Dog bites Up to $5,240

Poisoning Up to $4,602

Cruciate ligament rupture Up to $7,760

Oral Injuries Up to $4,745

Illness Coverage Limit

Stomach issues Up to $29,100

Skin conditions Up to $4,140

Chronic pain Up to $7,739

Ear infections Up to $12,954

Eye conditions Up to $7,637

Growths or lumps Up to $13,692

Cancer Up to $21,644

*Note: Not all illnesses that are covered are listed. These are just some of the most common.

Customizations

Depending on your plan, Trupanion is customizable based on the amount of deductible you want to pay (which is the amount you have to pay out-of-pocket before insurance will pay) and reimbursement percentage (which is how much the company will pay after the deductible is paid. The cheaper the deductible, the more your monthly premium is. The higher the reimbursement percentage, the more your monthly premium is.

Alternative care, called “Recovery and Complementary Care,” covers things such as:

Acupuncture

Behavioral modification

Homeopathy

Physical therapy

The other add-on, “Pet Owner Assistance,” covers things such as:

Advertising for lost pets

Reward for lost pets

Cremation or burial costs

Boarding costs in the event you’re hospitalized

Trupanion Price Comparison for Dogs

Boxer Yorkie

Male or Female M M

Age 3 3

Location Ohio Ohio

Reimbursement Level up to 100% up to 100%

Annual Deductible $500 $500

Annual Max Unlimited Unlimited

Price per month $87.23 $55.34

Deductibles & Claims

Depending on your plan, Trupanion has a flexible deductible, meaning you can choose your deductible based on the monthly payment you wish to have for your premium. Trupanion offers deductibles ranging from $50 to $1,000, or the option for no deductible at all. A lower deductible makes for a higher premium and a higher deductible makes for a lower premium. It’s all about what you’re comfortable paying out of pocket before you use your insurance.

Acupuncture

Behavioral modification

Homeopathy

Physical therapy

Acupuncture
Behavioral modification
Homeopathy
Physical therapy

Advertising for lost pets

Reward for lost pets

Cremation or burial costs

Boarding costs in the event you’re hospitalized

Advertising for lost pets
Reward for lost pets
Cremation or burial costs
Boarding costs in the event you’re hospitalized

Trupanion also has a very user-friendly claims process. You can submit your claim online, or by mail, and they also have a mobile app that makes it easy to submit claims and track the status of your reimbursement. Trupanion can also deal directly with your chosen veterinarian to manage all filed claims. If your vet participates and has Trupanion’s unique payment software, Trupanion can pay your vet directly if the vet accepts Vet Direct Pay, which eliminates the reimbursement process.

What Does Trupanion Cover?

Accidents & Illnesses – Trupanion’s base policy covers a variety of accidents and illnesses, including cancer, diabetes, hip dysplasia, and more.

Alternative Treatment Options – Trupanion’s add-on policy covers a variety of alternative treatment options, such as acupuncture and chiropractic care, some states even have this option included in part of their core policy!

Up to 100% of Eligible Expenses – Trupanion’s base policy reimburses you for up to 100% of eligible expenses, which is one of the highest reimbursement rates in the industry.

Trupanion’s Optional Add-Ons – In addition to their base policy, Trupanion offers a Pet Owners Assistance package and the Breeding rider.

Covered

Foreign body ingestion

Hit by a vehicle

Dog bites

Cruciate ligament rupture

Poisoning

Oral injuries

Cancer

Growths and lumps

Stomach issues

Skin conditions

Chronic pain

Ear infections

Eye conditions

Cranial cruciate ligament injury

Covered

Urinary tract infections

Allergies

Hip and elbow dysplasia

Liver shunt

Thyroid disease

Some hereditary conditions

Some congenital conditions

Diabetes

Inflammatory bowel disease

Emergency and specialty care

Prescription pet food (when vet recommended)

Prescribed or vet-recommended supplements

Not Covered

Pre-existing conditions

Policy Limits & Exclusions

Trupanion does not have any payout limits, which is a great benefit for pet owners. This means that you will never have to worry about your coverage running out. The base policy covers a variety of accidents and illnesses and up to 100% of eligible expenses.

Accidents & Illnesses – Trupanion’s base policy covers a variety of accidents and illnesses, including cancer, diabetes, hip dysplasia, and more.
Alternative Treatment Options – Trupanion’s add-on policy covers a variety of alternative treatment options, such as acupuncture and chiropractic care, some states even have this option included in part of their core policy!
Up to 100% of Eligible Expenses – Trupanion’s base policy reimburses you for up to 100% of eligible expenses, which is one of the highest reimbursement rates in the industry.
Trupanion’s Optional Add-Ons – In addition to their base policy, Trupanion offers a Pet Owners Assistance package and the Breeding rider.

Foreign body ingestion

Hit by a vehicle

Dog bites

Cruciate ligament rupture

Poisoning

Oral injuries

Cancer

Growths and lumps

Stomach issues

Skin conditions

Chronic pain

Ear infections

Eye conditions

Cranial cruciate ligament injury

Foreign body ingestion
Hit by a vehicle
Dog bites
Cruciate ligament rupture
Poisoning
Oral injuries
Cancer
Growths and lumps
Stomach issues
Skin conditions
Chronic pain
Ear infections
Eye conditions
Cranial cruciate ligament injury

Urinary tract infections

Allergies

Hip and elbow dysplasia

Liver shunt

Thyroid disease

Some hereditary conditions

Some congenital conditions

Diabetes

Inflammatory bowel disease

Emergency and specialty care

Prescription pet food (when vet recommended)

Prescribed or vet-recommended supplements

Urinary tract infections
Allergies
Hip and elbow dysplasia
Liver shunt
Thyroid disease
Some hereditary conditions
Some congenital conditions
Diabetes
Inflammatory bowel disease
Emergency and specialty care
Prescription pet food (when vet recommended)
Prescribed or vet-recommended supplements

Pre-existing conditions

Pre-existing conditions

Pre-Existing Conditions

Trupanion does not cover pre-existing conditions. A pre-existing condition is any condition that your pet has before enrolling in a policy. This includes conditions that have been diagnosed by a veterinarian, as well as conditions that show symptoms.

Waiting Period

Waiting periods vary by state. Please see your state’s policy for full coverage details. However, unlike other providers, Trupanion does not have extended waiting periods for cruciate ligaments and hip dysplasia.

How to File a Claim

If your vet does not offer Vet Direct Pay, to file a claim, you will need to submit a veterinary invoice to Trupanion. You can do this online, by fax, or by mail. Once your claim is received, they will process it usually within 2 business days.

Reviews from Customers

Trupanion has excellent ratings from all over the web. Customers seem to like their easy claims process, their quick response times and their helpful customer service. Just a few examples include:

“I have had nothing but good experiences with Trupanion. They are quick to respond to any questions or claims I have submitted. I have recommended them to all of my friends who have pets.” – Sarah K., Ohio

“Trupanion has been a lifesaver for my family. We have had to use their services several times and they have always been there for us. I would recommend them to anyone.” – John W., California

“I was hesitant to get pet insurance, but I am so glad that I did. Trupanion has been there for me and my dog every time we’ve needed them. They are quick to process claims and always helpful.” – Jane D., New York

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Our Verdict

Trupanion is a great pet insurance company that offers comprehensive coverage with no payout limits. They have some of the most comprehensive coverage within the pet insurance industry. The biggest draw of Trupanion, though, is it’s up to 100% payout amount. Most other pet insurance companies pay 70% of your claim, but Trupanion is dedicated to making sure you get your full 100%. This could add up to thousands of dollars in savings.

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Find The Best Pet Insurance Companies in 2023

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Find The Best Pet Insurance Companies in 2023

However, they do have a few drawbacks. First, they don’t cover pre-existing conditions, though most companies do not. Second, they have a waiting period of 5 days for accidents and 30 days for illnesses, which means if your pet gets sick two weeks into your plan, you can’t use the coverage, which again is common with most insurance providers. Overall, we think that Trupanion is a great choice for pet insurance, and we recommend them to our readers.

Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.

Sources

https://trupanion.com/pet-insurance/pet-insurance-vs-pet-wellness

Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.

Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.
https://trupanion.com/pet-insurance/pet-insurance-vs-pet-wellness