A Vet's Guide To Pet Insurance
Compare Trupanion Pet Insurance
Comparison Fact SheetTo get the most from these sheets, please read the Guide to Pet Insurance first.
| Company Info | |
| Company Name | Trupanion |
| Also Known As | |
| Address | 6100 4th Ave South, Suite 200
Seattle, WA 98108 |
| Phone | 888-733-2685 |
| Website | trupanion.com |
| Plans That Provide Both Accident and Illness Coverage | Trupanion Accident and Illness |
| States Covered | Trupanion provides coverage in all states. Trupanion also provides coverage in Puerto Rico. |
| Underwriter and AM Best Financial Strength Rating | Insurance underwritten by American Pet Insurance
Company which has an AM Best Financial Strength Rating of NR as
of 1/1/19. For the most recent ratings go to: AM Best and enter the name of the underwriter in the box labeled 'Text'. American Pet Insurance Company is not rated (NR) by AM Best, however they are rated by Demotech, Inc. Read More: Trupanion is a public company. To get a glimpse of their financials through the SEC filing, 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 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 from the policy effective date for injuries. 30 days from the policy effective date for illnesses. |
| Waiting Period for Cruciate Injury | Standard waiting periods apply. 5 or 30 days depending on origin of injury (accident vs illness) |
| Coverage When Travel Out of State or Country? | Out of State Coverage - You WILL be covered
while traveling to other states and Puerto Rico with your pet. Out of Country Coverage - You WILL be covered when traveling to Canada with your pet |
| 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. (Please Note: Trupanion has an unlimited payout structure.) |
| Can the Price of the Policy Increase if a Claim is Filed? | No |
| Choice of Vet? | You can choose any licensed veterinarian in the US, Puerto Rico, and Canada. |
| Money Back Guarantee? | If you change your mind within 30 days they will refund your money in full as long as you have not filed a claim. |
| 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 call 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. |
| Alternative Therapy Coverage | [OPTIONAL]
Alternative Therapy Coverage is available for an additional fee as part of the Recovery and Complementary Care Rider. (Includes acupuncture, chiropractic treatment, homeopathy, hydrotherapy, naturopathy, and rehabilitative therapy) |
| Pre-existing Conditions Policy | Pre-existing conditions are not covered. **See actual policy or call Trupanion for complete description of pre-existing conditions. |
| Hereditary & Congenital Conditions Coverage | Hip Dysplasia is included in the core policy
as long as your pet is not showing signs and the disease has not been diagnosed
or suspected prior to enrollment or during the waiting period. All other hereditary and congenital conditions are covered as part of the base policy as long as your pet is not showing signs and the disease has not been diagnosed or suspected prior to enrollment or during the waiting period. **See actual policy or call Trupanion for complete description of their Hereditary & Congenital Conditions Policy. |
| Continual Coverage for Chronic Conditions | [INCLUDED] Continual coverage for chronic conditions is included in policy. |
| Chronic Conditions Policy | Chronic conditions are covered as long as they are not pre-existing and have not occurred during the waiting
period.
**See actual policy or call Trupanion for complete description of their Chronic Conditions Policy. |
| Cancer Coverage | [INCLUDED] Cancer conditions are covered as long as
they are not pre-existing and have not occurred during the waiting
period. (See 'Chronic Conditions Policy' section above) |
| Cancer Coverage Limits | Trupanion has an unlimited payout structure therefore there are no limits on payouts for cancer conditions |
| Hip Dysplasia | [INCLUDED] Hip Dysplasia is included in the core policy as long as your pet is not showing signs and the disease has not been diagnosed or suspected prior to enrollment or during the waiting period. (See 'Hereditary & Congenital Conditions Coverage' section above) |
| Prescription Drug Coverage | [INCLUDED] **See actual policy or call 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. |
| 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) |
Coverage for required veterinary treatment due to dental Illness and
Injury, subject to all other terms and conditions of their policy. Coverage for retained baby teeth. Pet must be enrolled by 6 months of age. See policy for other limitations related to dental coverage. There are things you must adhere to to receive dental coverage. See policy for details. **See actual policy or call Trupanion for complete description of their dental coverage for illness and injury. |
| Bilateral Conditions Policy | The actual cost of treatment is not covered
for the following if signs or evidence presented on either side of
Your Pet during the period 18 months prior to the Policy Enrollment
Date through to and including the 30 days after the Policy Enrollment
Date: luxating patella, glaucoma, entropion, ectropion, elbow dysplasia,
cataracts, prolapse of the tear gland of the third eyelid (cherry
eye), and disease, weakness, instability, tear, partial tear or rupture
of the cranial cruciate ligament. It is not clear whether or not cruciate conditions, other than those related to the cranial cruciate ligament, fall under their bilateral conditions policy. **See actual policy or call 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 call Trupanion for full list of inclusions, exclusions, limitations and conditions. |
| What's not Covered - Overview (partial listing, please read policy for full details) |
|
| How The Policy Works | |
| Co-pay | 10% |
| Deductible | Deductible is per condition or injury. 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 | Based on actual veterinary bill. Reimbursement will be no greater than the amount charged to any other client of the treating veterinary clinic (for the same procedures). |
| 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. |
| Pricing | |
| Approximate Monthly Costs | Approximately $11.00 - $90.00 depending on your location, breed of pet, add on, etc |
| Additional Info | |
| My Review | Trupanion Review |
| What are Customers Saying? | PetInsuranceReview.com and Yelp.com |
| Better Business Bureau | bbb.org |
| Additional Info | Trupanion covers kidney transplants, stem cell therapy and other rare treatments as part of their core policy. No Additional Rider is needed. Please see their actual policy or call Trupanion for a full description of limitations to this coverage. |
**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 calling the company or reading the most current policy. 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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