Trupanion Pet Insurance

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Trupanion Pet Insurance was founded in 2000 in Seattle, Washington, and acquired in 2007 by American Pet Insurance Company, which underwrites its insurance policies. Trupanion is a member of The North American Pet Health Insurance Association. Policyholders appreciate Trupanion’s comprehensive coverage options, A+ rating with the Better Business Bureau, and support for charitable veterinary and pet organizations.

  • Customizable coverage options
  • 90% coverage of illness and injury services, after meeting the deductible
  • No annual limits
  • Alternative treatment add-ons
  • No maximum lifetime payout
  • Prosthetic devices and carts
  • Option to pay veterinarians directly
  • Bilateral limb and hip dysplasia coverage
  • Coverage in all locations
  • No multi-pet discounts
  • 30-day waiting period for illnesses
  • No coverage for pets 14 years and older
  • $35 enrollment fee 
  • Deductible must be paid per incident
  • Exclusion of exam fees 
  • No wellness coverage add-ons


Pros Explained

Trupanion Insurance reimburses up to 90% of eligible costs after you have met your $0 to $1,000 deductible, with no lifetime payout limit. Their coverage offers comprehensive dog and cat insurance for accidents, illnesses, injuries, and medical conditions, including breed-specific conditions with a per-condition deductible. Additionally, Trupanion covers complementary therapies such as acupuncture, chiropractic, rehabilitative treatment, and behavior modification. Trupanion’s veterinarian-direct pay expedites claims processing. They have no bilateral exclusion, and no exam period, making them a good choice if you’re looking for quick, straightforward coverage.

Cons Explained

Trupanion does not cover pre-existing conditions or pets 14 years and older and offers no wellness add-ons for preventive care (e.g., wellness exam fees, vaccinations, spay or neuter procedures, microchipping, parasite prevention, routine lab work, dental cleanings). Their 30- day waiting period for illness coverage is longer than many other pet insurance companies, and reimbursement claims can take up to 14 days when submitted no later than 90 days after treatment.

Final Thoughts

While Trupanion lacks some add-ons like wellness care, they do offer additional recovery and complementary care coverage for alternative treatments that other plans don’t, and they do not exclude bilateral limb conditions.  

Trupanion’s unique use of veterinarian-direct pay saves you the hassle of filling out extensive paperwork and waiting to get reimbursed, and coverage is available in all locations.

Overall, Trupanion could be the right choice if you’re looking for alternative treatment coverage and value efficiency, and you travel often with your pet.