Compare Trupanion Pet Insurance

Comparison Fact Sheet
Updated 03/01/2025

To get the most from these sheets, please read the Guide to Pet Insurance first.



Company Info
Company Name Trupanion
Also Known As / Affiliates / Partners State Farm, Aflac and Chewy offer plans through Trupanion
Address 6100 4th Ave South, Suite 200
Seattle, WA 98108
Phone 888-733-2685
Website www.trupanion.com
Plans That Provide Both Accident and Illness Coverage Trupanion Accident and Illness *
States Covered Available in all States
Underwriter and AM Best Financial Strength Rating Insurance underwritten by American Pet Insurance Company or ZPIC Insurance Company.

American Pet Insurance Company has an AM Best Financial Strength Rating of NR as of 3/1/2025.

ZPIC Insurance Company has an AM Best Financial Strength Rating of NR as of 3/1/2025.

For the most recent ratings go to: AM Best

American Pet Insurance Company is not rated (NR) by AM Best, however they are rated by Demotech, Inc. Read More:

ZPIC Insurance Company is not rated (NR) by AM Best or Demotech, Inc.

Trupanion is a public company. To get a glimpse of their financials, visit: www.marketwatch.com
Year Company Started 2008 in the USA

 

Policy Basics
Policy Term Month to Month
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age Pet must be under 14 years of age
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period 5 days for injuries.

30 days for illnesses.

**Waiting Periods can vary by state. See actual policy or contact Trupanion to confirm the waiting periods for your state.
Waiting Period for Cruciate Injury Standard waiting periods apply (30 day waiting period).

**Waiting Periods can vary by state. See actual policy or contact Trupanion to confirm the waiting periods for your state.
Coverage When Travel Out of State or Country? You can choose any licensed veterinarian in the US, Puerto Rico and Canada. This includes any other region under US or Canadian control including military bases.

Sample policies include Australia in this list. Website FAQ does not.
Can the Price of the Policy Increase as my Pet Ages? No, the policy premium won't increase due to your pet's age, BUT it may increase due to inflation or other reasons.

Contact the company for more information on when and how your premium may increase.
Does Coverage Stop Due to Age? No
What Happens when the Policy Renews? Chronic conditions will continue to be covered as long as you do not go over your Maximum Payout. (Note: Trupanion has an unlimited payout structure.)
Can the Price of the Policy Increase if a Claim is Filed? No, BUT they may adjust your price up or down based on the claims submissions in your geographical area.
Choice of Vet? You can choose any licensed veterinarian in the US, Puerto Rico and Canada. This includes any other region under US or Canadian control including military bases.

Sample policies include Australia in this list. Website FAQ does not.
Money Back Guarantee? There is a 30 day money back guarantee. They will refund your money in full as long as you have not filed a claim.

*May vary by state
Surcharge for Visiting a Specialist or Emergency Clinic? No
Referral needed to Visit a Specialist? No
Pre-certification Required? No
Additional Requirements **See actual policy or contact Trupanion for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Pet Insurance Policy Available for Pre-Purchase Review? Sample policy available online

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage		 Covers diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.

Does not cover veterinary exam fee.
Illness -
Baseline Coverage		 Covers diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.

Does not cover veterinary exam fee.
Behavioral Therapy Coverage [OPTIONAL]
Behavioral Modification Coverage is available for an additional fee as part of the Recovery and Complementary Care Rider.

This rider must be purchased within the first 30 days following your Policy Enrollment Date.

**See actual policy or contact the company for a complete description of what types of Behavioral Therapy are covered
Alternative Therapy Coverage [OPTIONAL]
Alternative Therapy Coverage is available for an additional fee as part of the Recovery and Complementary Care Rider.

This rider must be purchased within the first 30 days following your Policy Enrollment Date.

**See actual policy or contact the company for a complete description of what types of Alternative Therapy are covered
Pre-existing Conditions Policy Pre-existing conditions are not covered.

Pre-existing conditions are Illnesses or Injuries for which signs or evidence of their potential manifestation existed prior to enrollment or during the waiting period.

In some states, the period prior to the Policy Enrollment Date is limited to only 18 months.

**See actual policy or contact Trupanion for complete description of pre-existing conditions.
Hereditary & Congenital Conditions Coverage [INCLUDED] Hereditary and congenital conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

These conditions are covered up to the Maximum Payout. Note: Trupanion has an unlimited payout structure.

(See 'Max Payout' section below)
Continual Coverage for Chronic Conditions [INCLUDED] Continual coverage for chronic conditions is included in policy.

Chronic conditions are covered up to the Maximum Payout. Note: Trupanion has an unlimited payout structure. (See 'Max Payout' section below)
Chronic Conditions Policy Chronic conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

Chronic conditions are covered up to the Maximum Payout. Note: Trupanion has an unlimited payout structure. (See 'Max Payout' section below)
Cancer Coverage [INCLUDED] Cancer conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.
Cancer Coverage Limits Cancer conditions are covered up to the Maximum Payout. Note: Trupanion has an unlimited payout structure. (See 'Max Payout' section below)
Hip Dysplasia [INCLUDED]
Hip Dysplasia is covered as long as it is not pre-existing and has not occurred during the waiting period.

Standard waiting periods apply (30 day waiting period). May vary by state.

This condition is covered up to the Maximum Payout. Note: Trupanion has an unlimited payout structure. (See 'Max Payout' section below)
Prescription Drug Coverage [INCLUDED]

**See actual policy or contact Trupanion for full list of inclusions and exclusions
Pregnancy Coverage [OPTIONAL]
Coverage of illnesses or injuries that occur during breeding and birthing is available for an additional fee. The pet must be enrolled under the Breeding Rider policy.

In some states, you must purchase this rider within the first 30 days following your Policy Enrollment Date
Routine/Wellness Coverage [NO] - Routine Care is not covered or offered as an addon
Vaccinations [NO] - Routine Care is not covered or offered as an addon
Spay/Neuter [NO] - Routine Care is not covered or offered as an addon
Dental Care (Routine) [NO] - Routine Care is not covered or offered as an addon
Dental Care (Illness/Accident) [LIMITED COVERAGE]
Dental illnesses are not covered "if Your Pet has any signs or evidence of periodontal disease, periodontitis, gingivitis, tartar, stomatitis, or resorptive lesions" that occurred prior to the enrollment date or during the waiting period.

They cover caps, crowns and endodontics, however, coverage for teeth other than the canine and carnassial teeth are limited to the cost of an extraction.

They will not cover the cost of retained baby teeth if your pet was enrolled at or after 6 months of age.

It is not clear if other treatment options are available for dental injury other than extraction.

See policy for limitations related to dental coverage.

There are things you must adhere to in order to receive dental coverage. See policy for details.

**See actual policy or contact Trupanion for complete description of their dental coverage for illness and injury.
Bilateral Conditions Policy If signs or evidence of luxating patella, glaucoma, entropion, ectropion, elbow dysplasia, cataracts, cherry eye; and disease, weakness, instability, tear, partial tear, or rupture of the cranial cruciate ligament happen on one side of the body before they policy starts or during the waiting period, that condition will not be covered if it happens on the other side. Even if it happens after the waiting period.

How the policy is worded it is not clear if Hip dysplasia is treated the same way. Their description of Hip Dysplasia when it comes to pre-existing conditions is vague in this area.

In some states, the period prior to the start of the policy is limited to only 18 months.

**See actual policy or contact Trupanion for a list of medical conditions that are considered bilateral and for a complete description of their Bilateral Conditions Policy.
Coverage - Overview
(please read policy for full coverage details)		 Diagnostics and treatments due to illness and accidents

[Included] Hereditary & Congenital Disorders, Hip Dysplasia Coverage, Continual Chronic Conditions Coverage, Cancer Coverage, Prescription Medications, Dental Illness/Accident. (Refer to each category's section for limitations)

[Optional] Alternative Therapy Coverage, Behavioral Therapy Coverage, Pregnancy Coverage (Refer to the category's section for limitations)

**See actual policy or contact Trupanion for full list of inclusions, exclusions, limitations and conditions.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Conditions that occur during the waiting period
  • Veterinary exam fees
  • Elective Procedures
  • Routine Care
...See policy for a complete listing

 

How The Policy Works
Reimbursement 90%
Deductible Deductible is per condition or injury Per Lifetime. You can choose a deductible from $0 - $1000.
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Per Condition or Injury Per Lifetime. Once the deductible is met, it is for the lifetime of the pet for anything related to that condition or injury.
How is Reimbursement Determined Reimbursement is based on Actual Vet Bill.

It is not clear if the reimbursements are calculated by taking the deductible first or the reimbursement percentage first.
Max Payout Annually Trupanion does not have a maximum annual payout
Max Lifetime Payout Trupanion has an unlimited lifetime maximum payout.
Max Payout per Incident Trupanion does not have a maximum payout per incident
Max Payout Based on Body System Trupanion does not have a maximum payout based on body system
Client Reimbursed or Vet Paid Directly You pay the veterinarian and then you are reimbursed after you file the claim. Trupanion has the option to pay vet directly if the vet agrees to be paid directly by the insurance company.

 

Pricing
Approximate Monthly Costs Approximately $22.00 - $270.00 depending on your location, selected options, etc.

 

Additional Info
My Review Trupanion Review
What are Customers Saying? PetInsuranceReview.com and Yelp.com
Better Business Bureau bbb.org
Additional Info  


**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by contacting the company or reading the most current policy for your state. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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