Signing up for a Trupanion plan is simple based on our experience because the provider offers only one type of pet insurance. Based on our experience, the website quote tool is fast and lays out options clearly on the screen. During sign-up, Trupanion prominently displays what is covered and offers a link to study coverage in greater detail.
Although Trupanion allows cancellations at any time, it charges a one-time administration fee at sign-up. To avoid losing money on this fee if you need to cancel, we recommend pet owners carefully study a sample plan and familiarize themselves with options and pricing before finalizing their purchase.
Trupanion offers one basic accident and illness plan and two optional riders to broaden coverage. Each rider increases overall monthly costs.
Accident and Illness Plan Details
The accident and illness plan covers many common conditions, diagnostics and procedures. However, Trupanion has some notable exclusions. The plan does not pay for exam fees, pre-existing conditions, preventable conditions, or wellness and routine care. You must follow your veterinarian’s recommendations for routine care — such as annual dental cleanings, parasite prevention and specific vaccines — to maximize future coverage.
Trupanion’s base plan covers diagnostics and treatments related to the following conditions:
- Chronic conditions such as allergies, diabetes and arthritis
- Congenital conditions such as heart, brain and liver defects
- Hereditary conditions such as hip dysplasia, respiratory defects and eye disorders
- Illnesses such as infections, cancer and gastrointestinal issues
- Injuries such as broken bones, dental trauma and lacerations
- Pregnancy and whelping
Covered treatments include:
- Advanced dentistry
- Cancer treatments
- Hospitalization
- Imaging tests
- Lab work
- Prescription food (for up to two months)
- Prescription medication
- Prescription supplements
- Prosthetics and carts
- Surgery
Recovery and Complementary Care Add-on
Trupanion does not provide rehabilitation or alternative care coverage in its base plan. To opt into this coverage, you must choose the rider during sign-up or call to add it within 30 days. The cost runs between $10 and $60 per month, depending on your pet’s base plan cost and your chosen deductible. Coverage includes:
- Acupuncture
- Behavior treatments
- Chiropractic treatments
- Homeopathy
- Hydrotherapy
- Naturopathy
- Rehabilitation therapy
Pet Owner Assistance Add-On
The Pet Owner Assistance rider includes the following non-veterinary coverages for $5 per month:
- Boarding fees if a pet’s caregiver is hospitalized
- Cremation or burial
- Lost pet advertising and reward
- Third-party property damage liability
- Vacation cancellation caused by a pet’s illness
Customizable Coverage Levels
Trupanion’s single plan offers few customization options compared to other companies. Because Trupanion sets fixed prices for the reimbursement rate and annual limit on all policies, customers can only change the deductible to adjust their plan’s price. While you can raise your deductible at any time, you can only lower it within the first 30 days after purchasing a policy.
Deductible Options
Trupanion’s deductible options are unique because you can choose any number in $5 increments on a sliding scale from $0 to $1,000. The deductible applies per condition rather than annually, unlike some other companies. This means if your pet develops a chronic or relapsing condition, you only have to pay the deductible for that condition once.
Reimbursement Rates
Trupanion’s set reimbursement rate is 90% for all policies. This means Trupanion will pay 90% of each covered veterinary bill after you meet your per-condition deductible, and you must pay the remaining 10%.
Annual Limit Options
One primary feature of Trupanion policies is unlimited coverage on all policies. The company will not limit payouts for covered services over the lifetime of your pet.
