Trupanion Pet Insurance
|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|
Detailed coverage Chart for Trupanion Pet Insurance
|Single plan (90%)|
|Vet fees Accident||Unlimited|
|Vet fees- Illness||Unlimited|
|Hereditary Conditions||Yes- exclusions include hip dysplasia|
|Hip dysplasia||Yes- see below|
|Death (replacement cost of pet)||NO|
|Euthanasia||If medically necessary|
|Boarding (if owner hospitalized)||-|
|Holiday (trip cancellation)||NO|
|Cover Abroad||To Canada|
|Dental||Only from accident|
|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||-|
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)?
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.
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.
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.
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
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