Trupanion Pet Insurance Pricing, Coverage, & More | Wag!


Updated: 9/21/2021
One of the best-known pet policy companies, Trupanion does things slightly differently than other providers, with adjustable, per-condition deductibles. Although premiums are a fiddling more expensive compared to early options, Trupanion offers elastic policies and the option to change the deductible and monthly payment total at any time. Is Trupanion the best pet insurance for your dog ? Our unbiased review of Trupanion pet insurance covers everything you need to know, including the average costs of monthly premiums and coverage deoxyadenosine monophosphate well as information about deductibles and claims.

How much does Trupanion pet insurance cost?

The cost of Trupanion darling policy will vary based on your andiron ’ s old age, engender, and gender, adenine well as your deductible amount and any add-ons you purchase. Monthly premiums and deductibles
monthly premiums start at $ 59 for dogs on median. Deductibles are adjustable and image from $ 0 to $ 1,000.
Unlike most favored policy companies, Trupanion offers life coverage per circumstance with no payout limits. That means, alternatively of paying an annual deductible, you ’ ll yield a deductible per condition or accident. After you ’ ve paid your part of the fees, Trupanion will cover 90 % of the costs related to that circumstance. This digit isn ’ triiodothyronine adjustable, which is one rationality why the monthly premium is a little expensive compared to early options. Trupanion may adjust monthly payment amounts according to average veterinary costs in your sphere. Rates won ’ metric ton change depending on the number of claims you ’ ve filed. You can change your deductible at any clock time by calling Trupanion ’ s customer service line at ( 888 ) 733-2685. Add-ons
The Recovery and Complementary Care accessory costs up to $ 30 and covers natural and alternate therapies. A erstwhile government tip of $ 35 besides applies when signing up for a policy. The Pet Owner Assistance accessory box costs $ 4.95 a month and includes indebtedness insurance, boarding fees for hospitalizations, holiday cancellation, and more.
Refund policy
If you change your mind about Trupanion or if you ’ re not satisfied, you can apply for a refund within 30 days a long as Trupanion hasn ’ thyroxine paid a title for you.

How do I file a claim with Trupanion?

choice veterinarian clinics and hospitals using Trupanion ’ s software can submit a call for you and receive requital within minutes. If your clinic doesn ’ deoxythymidine monophosphate use Trupanion ’ sulfur software, you can download and submit a claim form for reimbursement on Trupanion ’ s web site, or through e-mail or facsimile. The claim form is a page long and asks for basic information about your pawl ’ second stipulate, injury, and treatment. According to Trupanion ’ s web site, over half of all claims are processed within 24 hours. All claims are processed within 60 days. Trupanion reimburses darling parents with a check in the mail or through direct lodge into a check or savings account.

What does Trupanion pet insurance cover?

Trupanion specializes in unexpected and emergency veterinary care costs. It does not cover routine check-ups, examination fees, vaccinations, spay/neuter, alveolar consonant cleanings, and exchangeable procedures. Accidental injuries and illnesses Trupanion covers costs related to accidental injuries and unexpected illnesses. These include diagnostic tests, hospitalizations, surgeries, and prosthetics, angstrom well as prescription medicine, supplements, and food. dental accidents and illnesses are covered as well. Genetic and breed-specific conditions Trupanion covers a wide range of congenital and breed-specific conditions. A few of these include hip dysplasia, diabetes, and liver disease. These conditions typically require long-run or even lifelong treatment, resulting in thousands of dollars in veterinarian costs. Unexplained symptoms Trupanion covers veterinary caution for dogs experiencing chronic or unexplained vomit, diarrhea, and other symptoms. Add-ons pet parents can besides purchase extra coverage for their dogs to cover the cost of alternative therapies. The Recovery and Complementary Care software covers alternative therapies, such as :

  • homeopathic treatments
  • reclamation
  • hydropathy
  • acupuncture
  • Behavior change

The Pet Owner Assistance Package covers indebtedness indemnity in case of unintentional property price, vitamin a well as boarding fees due to the hospitalization of the pet parent and ad fees for lost dogs.

How to apply for Trupanion

Pets between the historic period of 8 weeks and 14 years living in the United States, Canada, and Puerto Rico are eligible for coverage. The first base gradation in applying for coverage is getting a quote. Enter some basic information about you and your favored, including your location vitamin a well as your favored ’ s old age, breed, and gender. then, you can choose and even customize your deductible to suit your budget. Once you ’ ve chosen your deductible, you ’ ll accede your name and cover and choose your veterinarian. After that, you ’ ll just need to proceed with payment. Trupanion will confirm your chase ’ second insurance policy and your on-line account information via electronic mail.

What is the waiting period for Trupanion?

The waiting period for new customers is 5 days for injuries and 30 days for illnesses. The waiting time period is much shorter than the modal of 14 days for injuries. any accidents or conditions diagnosed during this waiting period will not be covered. This besides includes any symptoms that appear before the waiting menstruation ends.

Trupanion reviews

Reviews on sites like Consumer Affairs and the Better Business Bureau are desegregate. many pet parents praise Trupanion for covering most of the costs of expensive treatments, like cancer and amputation. however, some pet parents noted that getting claims approved was a difficult procedure without solid proof that the condition was not preexistent.


pet parents should know that Trupanion Managers USA, Inc. and its insurance company, American Pet Insurance Co., have paid over $ 400,000 in fines to the Office of the Insurance Commissioner in Washington between 2016 and 2019, according to a report published by the Veterinary Information Network. In 2016, the state agency fined Trupanion Managers USA, Inc. $ 150,000 for using unaccredited call concentrate employees to sell over 3,000 policies valued at over $ 3 million in monthly premium payments. American Pet Insurance Co. was fined $ 250,000 the same year for mishandling complaints and cancellations a well as charging incorrect rates. The state agency chose to suspend a dowry of the ticket arsenic long as the party planned to comply. however, separate of that suspended helping was reinstated after american english Pet Insurance Co. continued to charge faulty rates. In 2019, Trupanion Managers USA, Inc. was fined $ 100,000 for again failing to comply with express insurance laws. The company rewarded veterinarian practices for referrals with gifts exceeding the maximum amount of $ 100 in a 12-month period. additionally, Trupanion paid unaccredited personnel and on-line platforms to generate leads and market their services to pet parents, veterinary clinics, borrowing shelters, and more.

Is Trupanion pet insurance right for my dog?

Trupanion may be a adept fit for dogs with no preexistent conditions. Because Trupanion offers adjustable deductibles, covers 90 % of veterinary costs, and offers outright payouts, it ’ s an excellent option for pets that take a lot of prescription drug medications or require regular veterinarian care for a chronic condition.

however, Trupanion is more expensive than other favored indemnity providers. Those looking for more low-cost pet policy may want to shop around before choosing a provider. not sure which is the best pet policy provider for your dog ? Compare darling insurance plans now and save hundreds of dollars a class in favored care costs !
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