Trupanion Pet Insurance – One simple plan, you choose the deducible!

Trupanion has one of the most customizable pet insurance in the USA!

The plans are similar in the USA and Canada, but there are differences. This Page is about the American plans. To see the Canada plans, click here.

Trupanion Pet Insurance has only ONE plan where you can chose the EXACT deductible that you want to pay.

The co-payment is quite good (10%), plus you get UNLIMITED coverage. You choose how much you want to pay as a deductible or monthly payments. Their plans are very customizable.

Good things to note about Trupanion pet insurance:
• If you travel to the states a lot, (perhaps as a retired person), you can spend as much time as you want in the USA as your pet will be covered at any American vet, and you can spend as much time as you want in the USA as your pet will be covered at any American vet.
• Both chronic and re-occuring, congenital and hereditary conditions are covered since they are a lifetime insurer.
• Quick re-payment- 90% of claims paid within 24hrs.
• If you start your pet young, you continue to pay the young pet price throughout your pets life.

Important things to know about Trupanion pet insurance 
If you have a dog that is not spayed or neutered before your vets recommended age, some illnesses in the future might not be covered if the illness was caused from not spaying or neutering your pet.
Have to pay extra for hip dysplasia coverage.

Below you will find 2 Tables about Trupanion as well as important questions answered. Please send me any questions that were not answered.

Visit the Trupanion website.

Snapshot Information Chart for Trupanion 
% indicates co-payment amount- click here to understand co-payments 

Plan Accidents Illness Deductible (per accident/illness) Max age to sign on Lifetime cover Price per month
Dog 90% Unlimited unlimited $0-1000 /incident 14 yrs Yes Dog $18.44- 69.65
Cat 90% Unlimited unlimited $0-1000 /incident 14 yrs yes Cat $12.11- 24.00

Price does not include the one-time $25 administration fee, or optional charity donation.
Price per month depends on price of deductible which YOU can choose from $0, or $50-1000 in increments of $5.  The higher the deductible, the lower the monthly fee. You can also choose (if the pet is under 1 year) whether or not you want hip dysplasia covered (for both Cats and Dogs). You have to pay extra for this.

Detailed coverage Chart for Trupanion Pet Insurance

Single plan (90%)
Vet fees Accident Unlimited
Vet fees- Illness Unlimited
Routine Care
Hereditary Conditions Yes- exclusions include hip dysplasia
Hip dysplasia Yes- see below
Death (replacement cost of pet) NO
Cremation NO
Euthanasia If medically necessary
Boarding (if owner hospitalized)
Holiday (trip cancellation) NO
Cover Abroad To Canada
Behavioural problems
Prescription meds yes
Dental Only from accident
Alternative treatment
Breeding, Fertility, Pregnancy
Medical devices (ex. Wheelchair for dog) Yes
Lost/Stolen pet adds NO
Third party liability (dogs only) NO
Accidental Damage (tenant coverage) NO
Grooming and Bathing NO
Pet food, Nutritional supplements, vitamins, natural remedies

Vet fees- Illness or Accident
Routine/Preventative care – is not covered.
Hereditary conditions-all others covered. see Hip dysplasia.
Hip dysplasia- Yes, if the pet is enrolled before its first birthday.
Death- Will cover replacement price of pet if dies from accident.
Euthanasia – is covered if medically necessary.
Cremation –is not covered.
Boarding-– not covered.
Holiday cancellation- not covered.
Cover abroad- to the USA is covered – unlimited time there.
Behavioural problems/training are not covered.
Prescription Meds- are covered.
Dental- is covered if it relates to an accident. Annual is not covered.
Alternative treatment- acupuncture, massage… not covered.
Medical devices- are covered.
Lost/Stolen Pet- Advertising to find pet if lost/stolen/strays- is not covered.
Third party liability(dogs only) – is not covered.
Accidental Damage– is not covered.
Grooming and Bathing– is not covered.
Pet food, Nutritional supplements, vitamins, natural remedies- not covered.

Some Common Questions:

Lifetime insurer (will they cover on going conditions throughout pets life)? 

Are Congenital and Heriditary Conditions covered?

Yes, Congenital conditions are covered. Heriditary conditions are covered, however if you want to be covered for hip dysplasia, your pet must be enrolled before it’s first birthday.

No, there are not discounts. Sometimes there is a discount code, however there aren’t any regular discounts.

Any vet or specific vets only? After hours vets or in home vets? 
Any vet, however, after hours vets or in-home vets are only paid at 90%

Can the vet be paid directly? 
They can… Trupanion Pet Insurance has a system, but your vet needs to say it’s ok to get payment from them.

How quickly are claims processed? 
Typically 2-3 weeks when they need to collect medical history, but after that the claims are processed quickly. It depends on how fast it takes you to get them the paperwork.

Does Trupanion Pet Insurance cover examination fee (if it relates to the injury or illness)? 

All breeds? 
Yes, There are no breed restrictions with their plans.

Do I stop getting coverage as my pet ages? 
Coverage continues throughout your pets life as long as you make your payments.

Does age affect monthly price (as my dog gets older will the monthly premium go up)? 
No. This company is a good company that if you start your pet when it’s young, your monthly price will stay lower. For example, if you start your dog as a puppy, your monthly price will increase with inflation and increases in vet bills, but it will not increase because you pet is getting old. You will continue to pay the ‘puppy price’.

Do you put the monthly price up every year? By how much? 
It’s raised every couple of years… based on how much medical care goes up or down in your area. If it’s too much, its capped. You are given 30 days of notice.

Do they serve all of USA? 
Trupanion Pet Insurance does not serve pet owners in Delaware, New Hampshire, Maine, Vermont or Idaho. But if you travel to these places however, then your pet is still covered.

Is the monthly amount more depending on where I live? 
Yes, the monthly amount changes with your living location.

Waiting period? 
You need to wait 5 days after starting for coverage for Accidents, and 30 days for Illness coverage to be effective.

Do rates increase with more claims/penalized for filing more claims? 
No. Rates don’t increase with more claims.

Maximum lifetime claim amount? 

What is the co-pay? 
10% co-pay, less the vet exam fee and deductible.

To understand co-payment and deducible click here 

Extras included? 
Yes, ID tag given with pet number so it can be brought back to you with a 24hr pet phone line so someone can be called 24hrs to contact you.

Money back guarantee?  
You have 30 days to change your mind and cancel and get your money back as long as you haven’t made any claims.

What Trupanion Pet Insurance doesn’t cover – claims that are directly or indirectly related to:
—Pets under 8 weeks old.
—Pre-existing conditions.
Limited coverage for pets that have not been neutered before the vets recommended age. Nothing to do with pregnancy, testicular cancer etc. For example: what isn’t removed with an unsprayed pet, aggressive male dog because it’s not neutered
—No coverage for activities that result from: racing, breeding, hunting, law enforcement, or hunting.

Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.

Please let me know if you end up getting Trupanion, please let me know what you think of them. Reviews help others. Thank you.

Also, if you found this website helpful, please let me know.  I’d love to hear .

Visit the Trupanion Website to get a specific quote for your dog.

Check out other American Pet Insurance Companies.

24petwatch– another Pethealth corporation company!

AKC Pet Insurance– Offer Coverage in all 50 States!

Banfield Pet Insurance– Cheaper routine coverage spread out throughout the year to keep your regular vet prices low.

Companion Insurance– related to 24petwatch plans.

Embrace Pet Insurance – Very customizable plan! so you can adjust your plan based on deductible or monthly payment to fit your budget. Embrace Website

Healthy Paws Pet Insurance – More customizable plans created by people who love animals.

Pet Assure– pet insurance alternative so you ALWAYS have lower vet bills and your pet will even be covered with pre-existing conditions. Pet Assure Website

Pet Care Pet Insurance– HUGE assortment of plans to choose from.

Pet First insurance– same price policies for any breed of pet.

Corporation of Pethealth and all their other companies.

Pet Plan insurance – Excellent plans with upto 100% coverage!

Petsafe – Unlimited coverage at reasonable prices.

Pets Best Insurance – Travel to anywhere in the world with your pet and you’ll be covered! Or if you have a pregnant dog, this might be for you!

Purinacare – 3 plans with 20 000 per year coverage.

Quick Care – 5 plans, with one especially for Tenants!

Shelter Care – Great prices and excellent customer service.

Trupanion –one plan so it’s easy, you just have to pick the perfect deductible for you.
Visit the Trupanion site to get a quote for your pet.

VPI pet insurance– Originally created by Veterinarians, now covers your pet globally and will also cover Exotic pets and birds!

Click see other pet health Insurance companies in the USA

Click here to return to Pet Health Insurance (home)

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