Trupanion pet insurance review 2024
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“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
BLUEPRINT
Updated 9:52 a.m. UTC June 10, 2024
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Pros
- Can pay your vet directly if the vet has Trupanion software.
- Option for a $0 deductible.
- Stable rates as your pet ages.
- No minimum age for enrollment.
Cons
- Expensive compared to competitors.
- Pets must be enrolled before 14 years of age.
- No discounts.
- No coverage for exam fees.
- No wellness plan.
About Trupanion pet insurance
Offering pet insurance since 2000, Seattle-based Trupanion can pay your vet directly if the vet has Trupanion software. You can also contact Trupanion 24/7 to get pre-approval before your pet receives care. This can help you make the best decision for your pet and your budget.
Although Trupanion doesn’t offer a wellness plan, it offers three optional coverage riders: complementary and recovery care, pet owner assistance and a breeding pet rider. Trupanion is one of the most expensive carriers we reviewed and it did not make our rating of the best pet insurance companies.
What Trupanion covers
Pet insurance from Trupanion covers:
- Accidents.
- Congenital conditions.
- Diagnostic testing.
- Herbal therapy.
- Hereditary conditions.
- Hospitalization.
- Illnesses.
- Prescription medications and supplements.
- Prosthetic devices, carts, wheelchairs.Surgery.
- Unidentified issues like weight fluctuations, cough, vomiting and diarrhea.
What Trupanion doesn’t cover
There are several items Trupanion pet insurance doesn’t cover:
- Accidents or illnesses that develop during the waiting period.
- Anal gland expression.
- Bedding, housing, crates, nonprescription foods and other non-veterinary pet expenses.
- Boarding.
- Cremation or burial expenses.
- Elective or cosmetic procedures.
- Exam fees.
- Losses due to war, invasion, riots, nuclear reaction and other hostilities.
- Pre-existing conditions.
- Racing or intentional injuries.
- Routine and preventive care.
- Spaying or neutering.
- Transportation expenses.
Best pet insurance companies comparison
| PET INSURANCE COMPANY | OUR RATING | AVERAGE MONTHLY DOG INSURANCE | AVERAGE MONTHLY CAT INSURANCE | Learn More | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
| $44 | $25 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
| $59 | $32 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
| $52 | $23 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
| $46 | $27 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
| $76 | $47 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
| $47 | $43 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
 Paw Protect | $77 | $47 | See Plans Via Comparecoverage.com | |||||||
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Average monthly pet insurance cost assumes unlimited reimbursement (or the highest level offered by that company), a $500 deductible and a 90% reimbursement percentage for a dog insurance accident and illness plan. These average pet insurance company rates are based on dogs and cats of various ages, breeds and ZIP codes. Source: PetInsurer.com.
Trupanion pet insurance review FAQs
No, Trupanion pet insurance provides unlimited annual coverage. Once you have met your deductible, you will only be responsible for 10% of the remaining balance for covered expenses, with no cap on coverage.
Trupanion pet insurance does not offer a wellness plan. The company is there to help with emergency veterinary care for your pet’s accidents and illnesses, but not routine and preventive care.
Trupanion pet insurance is expensive compared to other companies in our rating of the best pet insurance.
Shopping for coverage? How to compare pet insurance quotes
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Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
