Compare Trupanion Pet Insurance

Comparison Fact Sheet

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



Company Info
Company Name Trupanion
Also Known As  
Address 907 NW Ballard Way
Seattle, WA 98107
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 8/1/18.

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 be over 8 weeks and 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 accidents

30 days from the policy effective date for illness
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]
New Plan
Behavioral Modification Coverage is available for an additional fee as part of the Recovery and Complementary Care Rider.

Old Plan
Behavioral Modification Coverage is available for an additional fee as part of the Additional Care package.
Alternative Therapy Coverage [OPTIONAL]
New Plan
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)

Old Plan
Alternative Therapy Coverage is available for an additional fee as part of the Additional Care package. (Includes acupuncture, chiropractic treatment, homeopathy, hydrotherapy, naturopathy, and rehabilitative therapy)
Pre-existing Conditions Policy Pre-existing conditions are not covered.

A pre-existing condition is "...any condition for which evidence and/or symptoms of their potential manifestation already exist at, or during the 18 months prior to, the policy enrollment date. Illnesses that occur during the 30 day waiting period and accidents that occur during the 5 day waiting period will be considered pre-existing conditions."

**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 Pet policy.

All policy limitations under the Old Policy for pets that have not been spayed or neutered by their first birthday will be waived upon purchase of a Breeding Pet 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) [LIMITED COVERAGE]
New Policy
They will cover endodontic treatments due to dental disease of trauma for canine and carnassial teeth (4th Premolar) provided you have annual dental exams, follow your vet's recommendations about dental care, and no clinical symptoms consistent with dental disease were noted prior to full policy coverage.

If endodontic treatment is performed on any other teeth, an amount equivalent to the cost of extraction is eligible.

They cover extractions due to dental disease or trauma as long as the problem is not pre-existing or happens during waiting period.

Extractions for retained deciduous teeth if your pet enrolled prior to 6 months of age and there are no notations of retained deciduous teeth noted prior to policy enrollment through to and including the 30 days after policy enrollment date

There are things you must adhere to to receive dental coverage. See policy or call Trupanion for details.

Old Policy
If injury to teeth is caused by an accident, they cover the cost of extractions of damaged teeth and of reconstruction of upper and lower canine teeth.

If extractions are required due to dental disease they will cover the costs of those extractions providing all veterinary recommended dental health care has been followed and no clinical symptoms consistent with dental disease were noted prior to full policy coverage.

**See actual policy or call Trupanion for full list of inclusions and exclusions.
Bilateral Conditions Policy If your pet develops a Bilateral Condition before your policy effective date or during the waiting period, it will not be covered and if your pet develops the same condition on the opposite side after the waiting period it will not be covered. For example if a dog has been diagnosed with a cruciate tear in this left knee before the effective date or during the waiting period, a cruciate tear in the right leg will not be covered. Even if it happens after the waiting period.

**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 (limited). (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)
  • Pre-existing conditions
  • Conditions that occur during the waiting period
  • Veterinary exam fees
  • Elective Procedures
  • Routine Care
  • If there is a cruciate ligament problem that is pre-existing, the other leg will not be covered for cruciate injuries.
...See policy for a complete listing

 

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 New Plan
Intact pets are no longer excluded from receiving coverage for prostate problems, hormonal skin conditions, testicular tumors, perianal tumors, mammary tumors, uterine and ovarian conditions; or from injury due to fighting, collision with a motor vehicle or aggressive behavior.

Old Plan
As stated in Trupanion's terms and conditions - "..For pets that have not been neutered or spayed prior to their first birthday, no coverage shall apply for illness related to prostate problems, hormonal skin conditions, testicular tumors, perianal tumors, mammary tumors, uterine and ovarian conditions, birthing; or injury due to fighting, collision with a motor vehicle or aggressive behavior.

This limitation does not apply to pets that have been spayed or neutered prior to their first birthday or, to pets where the timing of being spayed or neutered was in conjunction with their veterinarian's medical recommendations or, to pets spayed or neutered within 30 days of being adopted."

This limitation also does not apply to those who purchase a Breeding Pet Rider.


Trupanion has included coverage for supplements, therapeutic pet food, orthotic devices, prosthetic devices and carts as part of their base policy. Please see their actual policy or call Trupanion for a full description of limitations to this coverage.


New Plan
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.

Old Plan
Trupanion covers kidney transplants, stem cell therapy and other rare treatments for an additional fee as part of their Additional Care package. Please see their actual policy or call Trupanion for a full description of limitations to this coverage.


Trupanion covers working dogs for an additional fee.


**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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