Trupanion Pet Insurance Review

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  • Monthly premiums are usually between $12 and $90
  • No per incident, annual, or lifetime payout limits
  • Choose your own deductible ($0 to $1,000)
  • Co-pays cost 10% of the deductible you choose
  • Option to customize plans to include extra benefits

About Trupanion Pet Insurance

Trupanion is a subsidiary of Vetinsurance International, Inc. It is currently based in Seattle, WA, but was founded in Canada in 1999. The company moved its headquarters to Seattle in 2005. Trupanion was the first pet insurance company that used its own underwriter instead of relying on a separate underwriter. They earned a very nice “A+” rating on

Coverage Information

Trupanion offers coverage for a wide range of emergency and wellness veterinary services. The specific coverage that you get, however, can vary depending on the policy you choose. Some of the services covered by most Trupanion policies include:

  • Cancer treatment
  • Emergency vet visits
  • Hospitalization
  • Imaging services (x-rays, CT scans, MRIs, etc.)
  • Lab tests
  • Physical rehab
  • Surgeries
  • Prescription medications
  • Chronic illnesses and other health conditions

Trupanion doesn’t have many restrictions on who you choose as your pet’s vet. This is certainly a good feature for households that already have vets. This feature will also make it easier for you to find a great vet if you ever need to move to another area. Unlike many pet insurance companies, Trupanion will pay for some congenital and hereditary conditions. Not all conditions, however, are covered, so it is important to read the fine print before choosing a policy option for your pet. Still, this is an improvement over what most companies offer. If you suspect that your pet may have a hereditary condition, Trupanion is one of your best insurance options. Keep in mind that even Trupanion might not be able to cover hereditary and congenital conditions that already exist. If the condition has not revealed itself yet, though, you can typically get coverage.

Payout Limits

Trupanion does not have payout limits, which is a truly great feature for people who have pets with lifelong illnesses. This includes no incident limits, annual limits, or lifetime limits. There aren’t many companies that offer this level of financial coverage, so you may want to take advantage of such a good deal.

Deductible Information

Trupanion lets you choose your own deductible. Available deductibles range from $0 to $1,000. Since you can set your own deductible, you have quite a bit of control over how much money you spend on your policy. Choosing a higher deductible will help you save money on your policy’s monthly cost. A lower deductible usually means that you will have to spend more money on your policy.

Age Limits

Pets should be at least eight weeks old before you can purchase a policy for them.  The maximum age is 14 years old. Once you have a policy, though, you can keep it even when your pet exceeds 14 years. This makes it important for owners to purchase pet insurance policies before their animals get too old to qualify.


Trupanion has exclusions that are similar to those used by other pet insurance companies. Pre-existing conditions, for instance, are not covered by Trupanion policies. It is nearly impossible to find an insurance company that will sell policies that cover pre-existing conditions. Even if they did so, they would charge so much money that it would become difficult to afford the policy. Since pre-existing conditions are not covered, it makes sense to purchase a policy for your dog or cat as soon as possible.

Other Information

Trupanion will let you customize your pet’s insurance policy by adding the benefits you feel are most important. You can, for instance, choose to add services like acupuncture, hydrotherapy, and physical therapy to your pet’s policy. Contact Trupanion to discuss the current benefits that you can add to a policy.

Should I Use Trupanion Pet Insurance

There are a lot of pet insurance companies that offer reasonable coverage options. Trupanion, however, is clearly one of the best. Trupanion has several features that make it a good choice for most households. One of the best things about having a pet insurance policy from Trupanion is that you can get coverage for hereditary conditions. There are not many pet insurance companies that cover treatments for hereditary illnesses. In fact, some will try to use genetics as a reason not to treat conditions like cancer, even if the condition was not present when you started the policy.

Another good thing about choosing Trupanion is that the company lets you set your own deductible. This essentially means that anyone can find an affordable insurance option for their dogs and cats. If you do not want to spend much money on monthly premiums, then simply set a high deductible. It will mean that you spend more when your pet needs veterinary services, but it also means that you can save money every month. If you are more concerned about unexpected expenses, then you should choose a low deductible. While this will increase your monthly premium, it saves you from spending a lot of money after your pet has an accident or develops an illness that is difficult to treat.

When it comes to choose a pet insurance provider, Trupanion is one of your best options. In some cases, you may wish that you could find a health insurance plan that is as affordable and reliable as your pet’s.

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