If you’re a pet parent, you know it can be quite expensive to take care of your furry friend. From routine check-ups to unexpected health scares, veterinary care for pets can set you back a lot of money. This is where pet insurance comes in handy, and Trupanion is one of the well-known providers in the industry. In this review, we’ll take a closer look at Trupanion Pet Insurance and help you decide if it’s worth it for your pet.
What is Trupanion Pet Insurance?
Trupanion Pet Insurance is a Seattle-based pet insurance provider that covers cats and dogs of all breeds and ages. The company was founded in 2000 by Darryl Rawlings, who was motivated by his own dog’s health scare and the realization of the financial burden that comes with it. Trupanion’s mission is to provide financial peace of mind for pet owners by covering up to 90% of veterinary costs, including surgeries, medications, and treatments.
How does Trupanion Pet Insurance work?
Trupanion offers a simple and straightforward pet insurance policy. You can sign up for coverage online or through a phone call with one of their representatives. Once you sign up, you’ll need to select your deductible amount, which ranges from $0 to $1,000. Trupanion will then cover up to 90% of the veterinary costs, and you’ll be responsible for the remaining 10%, plus your deductible. This coverage applies to any new illnesses or injuries or pre-existing conditions, as long as they weren’t diagnosed during the waiting period.
What does Trupanion Pet Insurance cover?
Trupanion Pet Insurance covers a variety of veterinary costs, including:
Surgeries |
Medications |
Treatments |
Diagnostics |
Hospitalization |
Hereditary Conditions |
Unlike some other pet insurance providers, Trupanion covers hereditary and congenital conditions that your pet may be prone to based on their breed. This includes conditions such as hip dysplasia, heart disease, and eye disorders. Trupanion also covers alternative therapies such as acupuncture and hydrotherapy.
Trupanion Pet Insurance Pros and Cons
Pros
Comprehensive Coverage
Trupanion offers one of the most comprehensive pet insurance policies on the market. They cover all new illnesses and injuries, as well as many pre-existing conditions, including hereditary and congenital conditions. Additionally, they cover a wide range of veterinary costs, including medication, surgery, and hospitalization.
No Payout Limits
Trupanion has no payout limits on their policies. This means that they’ll cover up to 90% of the veterinary bill, regardless of how high it is. This is a huge advantage if your pet needs expensive treatment or surgery.
Easy Claims Process
Trupanion has a simple and easy-to-use claims process. You can submit your claims online or through their mobile app, and they typically process claims within five business days. They also offer direct payment to the veterinary clinic so you don’t have to worry about reimbursement.
Cons
Higher Premiums
Trupanion’s premiums tend to be higher than some other pet insurance providers, especially if you choose a low deductible. However, their comprehensive coverage may be worth the higher cost for some pet owners.
30-Day Waiting Period
Trupanion has a 30-day waiting period for new policies. This means that if your pet gets sick or injured during the waiting period, it won’t be covered by Trupanion.
Trupanion Pet Insurance Cost
The cost of Trupanion Pet Insurance depends on a variety of factors, such as your pet’s age, breed, location, and deductible amount. Generally, premiums start at around $30 per month for a young, healthy dog with a $500 deductible. However, premiums can increase significantly for older pets or those with pre-existing conditions.
It’s important to note that Trupanion’s premiums may be higher than some other pet insurance providers, but their comprehensive coverage may make it worth the extra cost. Additionally, Trupanion has no payout limits, so you won’t have to worry about hitting a maximum benefit amount.
Trupanion Pet Insurance Reviews
Trupanion Pet Insurance has received mostly positive reviews from customers and websites that specialize in pet insurance reviews. On Trustpilot, Trupanion has an average rating of 4.4 out of 5 stars based on over 3,000 reviews. Customers praise Trupanion’s easy claims process and comprehensive coverage, although some mention that the premiums can be expensive.
On Canine Journal, Trupanion has an overall rating of 4.7 out of 5 stars based on their research and customer feedback. They note that Trupanion’s policies are some of the most comprehensive in the industry and that they cover more pre-existing conditions than most other pet insurance providers. Canine Journal also mentions that Trupanion has no payout limits, making it a great option for pet owners who want complete financial protection.
Is Trupanion Pet Insurance worth it?
Trupanion Pet Insurance is a great option for pet owners who want complete financial protection for their furry friend. Their comprehensive coverage, lack of payout limits, and easy claims process make them one of the top pet insurance providers in the industry. However, their premiums may be higher than some other providers, and their 30-day waiting period may be a drawback for some pet owners. Ultimately, the decision to purchase pet insurance is a personal one, and it’s important to weigh the benefits and drawbacks and choose a provider that fits your needs and budget.
Trupanion Pet Insurance FAQ
How long is the waiting period for Trupanion Pet Insurance?
Trupanion has a 30-day waiting period for new policies. This means that if your pet gets sick or injured during the waiting period, it won’t be covered by Trupanion.
Can I use any veterinarian with Trupanion Pet Insurance?
Yes, you can use any licensed veterinarian in the US or Canada with Trupanion Pet Insurance. You’ll need to pay for the veterinary bill upfront, but Trupanion will reimburse you for covered expenses.
What is Trupanion’s coverage for pre-existing conditions?
Trupanion covers many pre-existing conditions, including hereditary and congenital conditions that your pet may be prone to based on their breed. However, the pre-existing condition must not have been diagnosed during the waiting period.
Does Trupanion have payout limits?
No, Trupanion has no payout limits on their policies. They cover up to 90% of the veterinary bill, regardless of how high it is.
How do I submit a claim with Trupanion Pet Insurance?
You can submit a claim online or through Trupanion’s mobile app. You’ll need to provide documentation, such as veterinary records and receipts, to support your claim. Trupanion typically processes claims within five business days.