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.
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
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.