Trupanion Pet Insurance Review 2023 (2024)

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Trupanion Pet Insurance Plans and Coverage

Trupanion offers an accident and illness plan but does not offer an accident-only plan. You can also purchase add-ons to cover expenses such as burial or cremation costs, behavioral modification and physical therapy. Trupanion does not offer a wellness plan for routine exams and preventative care.

Accident and Illness Coverage

Trupanion made Forbes Advisor’s list of best pet insurance and offers coverage for unexpected illnesses and injuries under one comprehensive plan. It covers problems such as:

  • Injuries such as a broken tooth or fractured bone
  • Illnesses such as vomiting or diarrhea
  • Hereditary conditions such as thyroid disease, upper respiratory infections, and elbow and hip dysplasia
  • Congenital conditions such as heart disease, liver disease, nervous system issues and cataracts
  • Surgeries
  • Lab and diagnostic testing
  • Hospitalizations
  • Prescription medications
  • Veterinary supplements
  • Herbal therapy
  • Lacerations

Trupanion Pet insurance Add-Ons

You can add the following benefits to a Trupanion plan at extra cost:

The Pet Owner Assistance Package. This helps pay for expenses outside of veterinary costs, including:

  • Boarding fees if you are hospitalized
  • Advertising and rewards for lost pets
  • Liability coverage if your pet damages someone else’s property
  • Vacation cancellation costs if you cancel your trip because your pet is ill or injured
  • Burial or cremation costs if your pet dies due to an accident

The Recovery and Complementary Care Rider. This add-on covers non-clinical procedures, including:

  • Acupuncture
  • Chiropractic care
  • Behavioral modification
  • Physical therapy
  • Homeopathy
  • Hydrotherapy
  • Rehabilitation therapy
  • Naturopathy

What Trupanion Pet Insurance Doesn’t Cover

Just like other pet insurers, Trupanion applies exclusions to a policy, such as:

  • Pre-existing conditions that happen before coverage starts
  • Wellness care such as vaccinations, routine check-ups, or flea and tick prevention
  • Accident and illness vet exam fees
  • Sales tax if it applies to where you live

Trupanion Pet Insurance Waiting Periods

Pet insurance companies typically have what’s called a waiting period, which is the amount of time before your coverage begins to reimburse you for vet costs. After your waiting period expires, your pet insurance coverage will kick in.

Trupanion has a different approach. After you purchase your policy, there is a 12-day period before your policy is effective. During that time, you won’t be charged a pet insurance premium. After the 12-day period passes, your plan will kick in and your pet will be covered for accidents and illnesses.

Compare Trupanion With Other Insurers

1

Paw Protect

Maximum annual coverage

$5,000, $10,000, Unlimited

Reimbursement choices

70%, 80%, 90%

Deductible choices

$100, $250, $500

1

Paw Protect

Compare Plans

Via PetInsurer.com's Secure Website

2

Embrace

Maximum annual coverage

$5,000, $10,000, Unlimited

Reimbursement choices

70%, 80%, 90%

Deductible choices

$100, $250, $500

2

Embrace

Compare Plans

Via PetInsurer.com's Secure Website

3

Spot

Maximum annual coverage

$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000, Unlimited

Reimbursement choices

70%, 80%, 90%

Deductible choices

$100, $250, $500, $750, $1,000

3

Spot

Compare Plans

Via PetInsurer.com's Secure Website

Trupanion Pet Insurance Coverage Levels

Maximum Annual Limit Options

Some pet insurance policies cap the amount they will reimburse you in a given year. Trupanion has only one coverage limit:

  • Unlimited

Deductible Options

Before your coverage begins reimbursing you, you must pay a set amount toward vet costs, also known as the deductible. Trupanion has no pet insurance deductible.

Reimbursement Options

After paying your deductible, your pet insurance company will reimburse you for vet costs up to a certain percentage, known as the reimbursement level. Trupanion offers you the choice of a reimbursement level between 50% and 100%.

How Much Does Pet Insurance From Trupanion Cost?

Trupanion pet insurance costs an average of $60 a month, according to a Forbes Advisor analysis of pet insurance costs. That’s for unlimited annual coverage and a 90% reimbursement level.

Examples of Trupanion Pet Insurance Cost by Breed

Dog breedAverage cost per month
Chihuahua$56
French bulldog$158
German shepherd$111
Golden retriever$99
Goldendoodle$70
Mixed breed (large)$96
Mixed breed (medium)$74
Mixed breed (small)$61
Shih Tzu$54
Yorkshire terrier$68
Source: PetInsurer.com. Costs are based on unlimited annual coverage with a $500 deductible and 90% reimbursement level.

Most and Least Expensive Dogs to Insure Through Trupanion

Small dogs are usually the least expensive for pet insurance. The least expensive dog breeds for Trupanion pet insurance are the Chihuahua, Chiweenie, Danish Swedish farmdog, maltipoo, shichon/zuchon, Shih Tzu and toy Australian Shepherd. The most expensive dogs for Trupanion pet insurance are below.

Akbash DogFila brasileiro/Brazilian mastiff
AkitaFrench bulldog
American bandogge mastiffGreat Dane
American bulldogGreater Swiss mountain dog
American bullyIrish wolfhound
American mastiffKuvasz
Anatolian shepherdLeonberger
Bantam bulldogMastiff
Belgian mastiffNeapolitan mastiff
Bernese mountain dogNebolish mastiff
Black Russian terrierNewfoundland
BoerboelPolish Tatra Sheepdog
BoxerPyrenean mastiff
BroholmerRafeiro do alentejo
Bull boxerRottweiler
BullmastiffSaint Bernard
Cane corsoSarplaninac
Caucasian ovcharkaShiloh shepherd
Central Asian shepherdSouth Russian ovcharka
Chesapeake Bay retrieverSpanish mastiff
Doberman pinscherTibetan mastiff
Dogue de bordeauxTosa
English bulldogWelsh foxhound

How to Save Money on Trupanion Pet Insurance

Trupanion does not offer any discounts. You can save money on Trupanion pet insurance by choosing a lower reimbursement level. For example, a reimbursement level of 50% will cost significantly less than a reimbursement level of 100%, but you will have to pay more out of pocket if you file a pet insurance claim.

Trupanion Pet Insurance Availability

Trupanion is available in all 50 states and Washington D.C.

Other Top-Rated Pet Insurance Plans to Consider

CompanyCompany - LogoForbes Advisor RatingForbes Advisor RatingReimbursement ChoicesDeductible ChoicesLearn More CTA textLearn more CTA below textView More

Embrace

Trupanion Pet Insurance Review 2023 (7)5.0Trupanion Pet Insurance Review 2023 (8)70%, 80%, 90%$100Compare PlansVia PetInsurer.com's Secure Website

ManyPets

Trupanion Pet Insurance Review 2023 (9)5.0Trupanion Pet Insurance Review 2023 (10)70% or 80%$500Compare PlansVia PetInsurer.com's Secure Website

Spot

Trupanion Pet Insurance Review 2023 (11)5.0Trupanion Pet Insurance Review 2023 (12)70%, 80%, 90%$100, $250, $500, $750, $1,000Compare PlansVia PetInsurer.com's Secure Website

Pumpkin

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Figo

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Pets Best

Trupanion Pet Insurance Review 2023 (19)4.0Trupanion Pet Insurance Review 2023 (20)70%, 80%, 90%$50, $100, $200, $250, $500, $1,000Compare PlansVia PetInsurer.com's Secure Website

Reimbursement and deductible choices may vary by state.

How Does Trupanion Pet Insurance Compare to Other Pet Insurance Companies?

The coverage benefits and waiting periods vary by pet insurance company. For example, Trupanion does not have a waiting period for orthopedic conditions, but companies such as Healthy Paws and Pets Best do. Trupanion does not offer an optional wellness plan or have a 24/7 vet helpline, but you’ll find both of these options at Pets Best and with Spot pet insurance.

Trupanion Pet Insurance vs. Healthy Paws Pet Insurance

Rating and coverage detailsTrupanion pet insuranceHealthy Paws pet insurance
Forbes Advisor ratingTrupanion Pet Insurance Review 2023 (21)Trupanion Pet Insurance Review 2023 (22)
Accident coverage waiting period12-day delay before policy is effective15 days
Illness coverage waiting period12-day delay before policy is effective15 days
Special waiting periodsNone12 months
Pays for the vet exam fee?NoNo
Optional wellness plan available?NoNo
24/7 vet helpline available?NoYes

Trupanion Pet Insurance vs. Pets Best Pet Insurance

Rating and coverage detailsTrupanion pet insurancePets Best pet insurance
Forbes Advisor ratingTrupanion Pet Insurance Review 2023 (23)Trupanion Pet Insurance Review 2023 (24)
Accident coverage waiting period12-day delay before policy is effective3 days
Illness coverage waiting period12-day delay before policy is effective14 days
Special waiting periodsNone6 months for cruciate ligaments, 14 days for hip dysplasia
Pays for the vet exam fee?NoIncluded
Optional wellness plan available?NoYes
24/7 vet helpline available?NoYes

Trupanion Pet Insurance vs. Spot Pet Insurance

Rating and coverage detailsTrupanion pet insuranceSpot pet insurance
Forbes Advisor ratingTrupanion Pet Insurance Review 2023 (25)Trupanion Pet Insurance Review 2023 (26)
Accident coverage waiting period12-day delay before policy is effective14 days
Illness coverage waiting period12-day delay before policy is effective14 days
Special waiting periodsNoneNone
Pays for the vet exam fee?NoYes
Optional wellness plan available?NoYes
24/7 vet helpline available?NoYes

How to Cancel Trupanion Pet Insurance

You can contact Trupanion to cancel pet insurance in the following ways:

About Trupanion Pet Insurance

Trupanion officially launched in 2000, when it sold its first policy.

Trupanion pet insurance is underwritten by American Pet Insurance Co. and insures about 500,000 pets. In addition to offering pet insurance, Trupanion supports pet charities that work to improve the well-being and health of pets around the nation.

Methodology

To find the best pet insurance we used data provided by PetInsurer.com to score each pet insurance company based on the following:

Pet insurance rates: 40% of score. We calculated average rates for dogs for plans with unlimited coverage, a $500 deductible and a 90% reimbursement level, or the closest options available.

Special waiting period: 10% of score. Many pet insurance companies have a special waiting period for problems such as cruciate ligament issues and hip dysplasia. Plans that had no waiting period, a waiting period of fewer than six months or the ability to have the waiting period waived scored higher.

Direct payment to vet: 10% of score. Pet insurance companies that have the ability to pay a vet directly earned points.

24/7 vet health line: 10% of score. Insurers that provide access to a 24/7 vet health line scored in this category.

Routine wellness plans: 10% of score. Insurers that offer optional wellness plans earned points.

Pays veterinary exam fees: 10% of score. Not all insurers cover exam fees, even if the fee is for an illness or accident-related visit. Plans that cover the vet exam fee scored in this category.

Euthanasia or end of life expenses: 5% of score. Insurers that cover end of life expenses, such as euthanasia, cremation or burial fees, scored in this category.

Multipet discount: 5% of score. Many pet insurance companies offer a discount if you insure more than one pet. Insurers that offer a multipet discount earned points.

Find The Best Pet Insurance Companies Of 2023

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Trupanion Pet Insurance FAQ

Can I add multiple pets to my Trupanion pet insurance policy?

You can get multi-pet insurance from Trupanion, but you will need separate policies for each pet, and you can manage them from a single account. Pet insurance from Trupanion is limited to dogs and cats, meaning you can’t buy policies for pets like parrots, potbellied pigs or pythons.

Trupanion does not offer a multi-pet insurance discount. Many pet insurers offer a discount of 5% to 10% if you insure more than one dog or cat.

Is Trupanion a good insurance company for pets?

Trupanion scored 4 stars out of 5 stars in our evaluation of the best pet insurance companies.

Trupanion has unlimited annual coverage, no deductible and you can choose a reimbursement level between 50% and 100%. It also pays your vet directly (if your vet has Trupanion’s software). Trupanion does not have an extended waiting period for problems like hip dysplasia or cruciate ligament issues.

Does Trupanion pet insurance work with any vet?

Yes, Trupanion pet insurance works with any licensed veterinarian in the U.S. That includes emergency clinics and specialists.

Based on my expertise in pet insurance, let's dive into the concepts mentioned in the article about Trupanion Pet Insurance Plans and Coverage:

  1. Coverage Offered by Trupanion: Trupanion specializes in accident and illness coverage for pets. This includes a comprehensive plan encompassing unexpected injuries and illnesses. They cover various conditions such as injuries (broken teeth, fractures), illnesses (vomiting, diarrhea), hereditary and congenital issues, surgeries, diagnostic testing, hospitalizations, prescriptions, supplements, herbal therapy, lacerations, and more.

  2. Add-Ons Available: Trupanion offers add-ons at an extra cost. These include the Pet Owner Assistance Package covering expenses outside of vet costs (boarding, lost pet advertising, liability coverage, etc.), and the Recovery and Complementary Care Rider covering non-clinical procedures like acupuncture, physical therapy, and behavioral modification.

  3. Exclusions by Trupanion: As with other pet insurers, Trupanion excludes pre-existing conditions, wellness care (vaccinations, routine check-ups), accident, and illness vet exam fees, and sales tax if applicable.

  4. Waiting Period and Coverage Initiation: Trupanion has a 12-day period after policy purchase before coverage begins. During this time, there's no premium charge. Once this period lapses, the policy becomes effective, covering accidents and illnesses.

  5. Policy Details - Limits, Deductibles, and Reimbursement: Trupanion offers unlimited annual coverage, no deductible requirement, and reimbursement levels between 50% and 100% after the deductible payment.

  6. Cost of Trupanion Pet Insurance: The average cost per month for Trupanion pet insurance ranges around $60, depending on factors like breed, coverage level, and deductible chosen.

  7. Comparison with Other Insurers: The article provides comparisons with other pet insurance companies like Embrace, Spot, and more, detailing differences in coverage, waiting periods, reimbursement, and deductible options.

  8. Most and Least Expensive Dogs to Insure: The article lists breeds that are relatively least and most expensive to insure with Trupanion, illustrating cost variations based on breed.

  9. Saving Money with Trupanion: Trupanion doesn't offer discounts but suggests that opting for lower reimbursement levels can reduce costs while requiring higher out-of-pocket payments for claims.

  10. Cancellation Process and Company Information: Details on how to cancel Trupanion pet insurance, information about the company's launch in 2000, underwriter, and its support for pet charities.

  11. Methodology and Comparison Criteria: The article mentions the methodology used to evaluate pet insurance companies, emphasizing factors like rates, waiting periods, direct payment to vets, wellness plans, etc., to determine the best insurers.

  12. Frequently Asked Questions (FAQs): FAQs include details about adding multiple pets, Trupanion's reputation as a pet insurance company, vet compatibility, and multi-pet insurance discounts.

If you're considering pet insurance, these details should help you understand Trupanion's offerings and how they compare with other options in the market.

Trupanion Pet Insurance Review 2023 (2024)
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