clock menu more-arrow no yes

Trupanion Pet Insurance Review (2021)

Find out whether or not Trupanion is the best pet insurance provider for you by reading our review of its customer service, coverage, policies, and pricing.

A tan pug with his paws on a wooden table on the back deck of a home. Adobe

In This Review: Trupanion Background | Our Rating | Plans & Coverage | Pricing | Availability | Reviews | FAQs | Comparison | Conclusion

Trupanion offers comprehensive coverage with unlimited annual caps, a 90% reimbursement, and impressive customer service, but its higher premiums may not be worth it to some pet parents.

Keep reading to learn more about the company’s history, plans, coverage, and pricing, as well as our recommendation for the best pet insurance providers in the industry.


Our Rating of Trupanion

We gave Trupanion a score of 89.5 out of 100. While it earned points for its unlimited payouts, covered procedures, and customer service availability, it lost points for high plan costs and a lack of customizability.

Some highlights include:

  • Best for pet owners who prioritize customer service & unlimited coverage
  • Ability to have bills paid directly at vet, since many vets have access to Trupanion’s software
  • Investigate companies like Lemonade or Embrace if you’re seeking affordability

Pros and Cons of Trupanion Pet Insurance

Compare the advantages and disadvantages of pet insurance by Trupanion:

✔ Offers 24/7 customer service
✔ Provides a discount for assistance animals or therapy pets
✔ Deductibles can be customized anywhere between $0 and $1,000

✘ Doesn’t insure pets over 13 years old
✘ Requires a one-time fee of $35 for new members
✘ Has much higher plan prices than competitors


Trupanion Background

Trupanion was founded in Canada in 1999 by Darryl Rawlings. The company expanded to the United States in 2005 and has been a top contender in the pet insurance industry ever since.

During its early days, Trupanion made strides to provide comprehensive coverage for pets’ illnesses and accidents by accepting more claims, which was rare in the pet insurance industry at that time. By doing this, Trupanion helped set the standard for other top pet insurance companies over the years.

The team has grown to more than 850 employees and serves thousands of policyholders and their dogs and cats.


Trupanion Pet Insurance Plans and Coverage

Trupanion offers one plan for accidents and illnesses, such as:

  • Accidents: Vomiting, diarrhea, coughing, broken bones, infections, tooth trauma
  • Illnesses: Elbow and hip dysplasia, diabetes, upper respiratory infections, thyroid disease, heart disease, nervous system issues, cataracts, liver disease, allergies

Trupanion reimburses 90% of your vet bills after your chosen annual deductible, and it doesn’t include any lifetime, per-incident, or annual limits. Here are some examples of procedures and treatments that are covered under a Trupanion plan:

  • Procedures: Diagnostic tests, surgery, dental procedures
  • Treatments: Hospitalization, prescribed medication, veterinary supplements , herbal therapy, prosthetic devices, 50% of the cost of prescription diet foods

For additional coverage options, Trupanion offers two add-ons:

  • Recovery and Complementary Care Rider: For comprehensive coverage, which includes non-clinical procedures
  • Pet Owner Assistance Package: To help with additional unexpected costs you may incur as a pet parent

Recovery and Complementary Care Rider covers rehabilitative therapy, acupuncture, hydrotherapy, chiropractic care, behavioral modification and therapy, homeopathy, and naturopathy.

Pet Owner Assistance Package covers liability coverage for third-party property damage, advertising and reward money for lost pets, boarding fees, vacation cancellation fees, and cremation or burial fees.

Coverage Exclusions

Trupanion policies don’t cover pre-existing conditions, which is defined in a sample policy as “an illness or injury for which signs or evidence of their potential manifestation existed within the 18 months prior to the policy enrollment date.” This includes any incident that occurs during the 30-day waiting period for illnesses and a five-day waiting period for accidents.

This insurer also excludes exam fees, transportation expenses, elective or cosmetic procedures, preventative care, wellness exams, vaccinations, breeding or pregnancy, processing fees for a medical history transmission, anal gland expression, training injuries, parasitic infections, and spay or neuter procedures from their policies.


Trupanion Pet Insurance Monthly Pricing

Pricing for Trupanion’s accident and illness plan can vary depending on your location, the deductibles you choose, and your pet’s breed, size, and age. Luckily, Trupanion allows policyholders to customize their premium based on their choice of a deductible from anywhere between $0 and $1,000.

Our research found the monthly pricing for the Recovery and Complementary Care Rider to vary depending on your pet’s details, but the Pet Owner Assistance Package comes at a flat rate of $4.95 per month, regardless of your pet’s species, breed, or location.

Here are some sample premiums based on quotes we received for a variety of four-year-old dog and cat breeds in Raleigh, North Carolina, with the customized deductible set at $500.

Sample Monthly Premiums

Species/breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species/breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident and Illness Plan $59.30 $73.39 $51.62 $31.26
Recovery and Complementary Care Rider $7.17 $9.09 $6.11 $3.33

Discounts

Trupanion has a 5% discount for qualifying assistance animals or therapy pets. This unique discount doesn’t cover emotional support animals and isn’t available in Washington. Unlike many competitors, this insurer doesn’t offer a multi-pet discount for adding multiple animals to your policy.

Note: Florida residents can lower their premiums by choosing between three payout reimbursement rates of 100%, 90%, or 75%, which differs from the standard 90% coverage reimbursement rate for policies in other states.


Trupanion State Availability

Trupanion is available in all 50 states as well as Washington D.C., Canada, and Puerto Rico. However, policy details and pricing will vary depending on your location.

For example, the process of purchasing a policy for Florida residents is much different than other states. Florida pet owners are required to submit a recent veterinary report from within the last 12 months before they can check out or start the enrollment process.

Because of unique e recommend getting multiple quotes before choosing a pet insurance provider.


Trupanion Pet Insurance Reviews

Although Trupanion has an A rating from the Better Business Bureau (BBB), the company’s profile shows a handful of negative reviews regarding long claims processes and denied payouts.

However, some satisfied customers praised the company’s accountable customer service team.

Here are some examples of Trupanion customer reviews from the BBB:

Renee D. says:

“Excellent customer service. The folks at Trupanion that [I] have had to speak with have been kind and caring. This helps take the financial worry out of a major pet illness [and] leaves me to focus on the more important aspect, getting my pet better. I have never had an issue with any claim and, to me, the prices have been reasonable. It’s insurance. It’s always a crapshoot. But this time it has paid off big time. Thank you, Trupanion!”

William R. says:

“Purchased Trupanion pet insurance for my puppy at [two] months old. Two months later he had a minor injury that required a trip to the vet and an X-ray. They advertise that they pay directly to the vet (any certified veterinarian). That’s why I chose them. Later, I [found] out that they only do this with vets that have their software, which mine did not. So claims take [two] months to decide if they can find a reason to not reimburse you.”

BBB information accurate as of October 5, 2021.


Frequently Asked Questions

How long is the waiting period for Trupanion pet insurance?

Before Trupanion pet insurance coverage starts, there’s a five-day waiting period for accidents and a 30-day waiting period for illnesses. This means any incidents that occur during those periods will not be eligible for a claim.

How much does Trupanion pet insurance cost?

Prices for Trupanion are generally higher when compared with other top pet insurance companies, but your quoted premiums will ultimately depend on your pet’s species, breed, age, and ZIP code. Based on the sample quotes we received, the average pricing for a policy with a $500 deductible is around $50–$80 per month for dogs and $30–$50 per month for cats.

Does Trupanion pet insurance cover birds and exotic animals?

No. Like most other pet insurance companies, Trupanion doesn’t cover avian or exotic animals. If you need coverage for those species, we recommend considering a Nationwide pet insurance plan.

How do I contact Trupanion customer service?

You can get in touch with Trupanion’s 24/7 customer service department by using its online chat, emailing a customer service representative, or calling a Trupanion representative.

Does Trupanion write its own policies?

Trupanion’s policies are underwritten by the American Pet Insurance Company (APIC).


Comparing Trupanion to Other Pet Insurance Companies

Quickly compare the features of top rated pet insurance providers:

Comparison

Provider Our score Sample monthly premium* Number of plans and add-on options
Provider Our score Sample monthly premium* Number of plans and add-on options
Not available through This Old House 89.5 $59.30 3
Lemonade 96 $18.50 3
HealthyPawsPetInsurance.com 93.5 $45.88 1

*Based on sample quotes for a mixed four-year-old dog in Raleigh, North Carolina


Our Conclusion

We were impressed with Trupanion’s customer service and overall coverage, but its prices were significantly higher than what’s offered by other providers in the industry.

If you can’t afford the Trupanion premiums, we recommend checking out a few cheaper pet insurance providers, such as Lemonade, Embrace, or Spot.


Our Rating Methodology

The This Old House Reviews team is dedicated to a thorough, in-depth review of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.