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What Makes Trupanion Pet Insurance Unique?

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Trupanion logo: medical insurance for your pet

You turned your back for one minute and now Fido has a stomach full of bathroom trash. Yuck! You know this isn’t going to be good. You take him to the vet and have an x-ray done and see all the q-tips, bobby pins and, oh no, a part of an old razor blade. Things just got really scary for you. The vet performs surgery and thankfully, Fido will be okay. However, your bank account is in some real pain now. Had you signed up for pet insurance, you may not have had to pay as much for the vet bills. That’s where Trupanion comes into play.

Trupanion offers pet insurance to help you cover your dog’s vet fees. Depending on the plan you choose, you could have nearly all of your vet bills covered. We’re going to look at Trupanions pros, cons, price quotes, what they do/don’t cover and more to help you decide if they’re the right provider for your dog.

Visit Trupanion’s Website

Review Overview

Policy Coverage
Customer Service & Reputation
Customer Service & Reputation
Price of Policy


Trupanion does a great job paying claims in a timely fashion and they cover a large amount of illnesses and accidents. Their prices are where their weakness lies. They could have more competitive prices.

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Spay/Neuter Limitation

If your pet has not been spayed or neutered by their first birthday or 60 days after adoption, “no coverage shall apply for illness related to prostate problems, hormonal skin conditions, testicular tumors, perianal tumors, mammary tumors, uterine and ovarian conditions, birthing, or injury due to fighting, collision with a motor vehicle or aggressive behavior.” So be sure to abide by this rule.



  • Offers an unlimited lifetime limit on coverage
  • Offers optional benefits for additional expenses that cover acupuncture, physical therapy, hydrotherapy and behavioral modification training and therapy
  • Hip Dysplasya is part of the core policy for no additional cost with no waiting period and no age restrictions
  • Dental coverage, i.e. root canals, extractions, etc. (not routine dental though)
  • The core policy covers hereditary and congenital conditions as well as veterinary supplements
  • Prescription medication is covered
  • BBB rating is A+
  • Claims are settled within four days on average (65% are settled the day they are received and 80% are settled within seven days)
  • Trupanion Express allows eligible vet’s offices to submit claims and get paid within 5 minutes, leaving no need for reimbursement since the money never leaves your pocket
  • 24/7 phone support
  • No per-incident cap
  • 30-day money back guarantee
  • Pet is covered in the U.S., Canada and Puerto Rico
  • The most expensive policy we quoted, and we tried it for many different breeds, locations and ages
  • Charges all policy holders a one-time $35 administration fee
  • The lowest deductible offered causes monthly premiums to nearly triple
  • Policies have five day waiting period for injuries and 30 day waiting period for illnesses
  • No multi-pet discount
  • Allow up to a 20% increase on premiums from year to year
  • No wellness plan available
  • Pets are not eligible for enrollment after their 14th birthday


As a Trupanion subscriber, you are able to customize your Tru-panion plan to suit your budget and type(s) of care and coverage desired. Your Trupanion pet insurance policy cost will vary depending on a variety of factors; such as the age of your pet when you sign up, the deductible amount you choose (anywhere from $0-$1,000), and the type of optional riders you select. No matter which plan you select, remember that there are no coverage limits on the Trupanion core plan or riders.

Below are some example monthly premiums for various pets in different geographic locations.

BreedLabrador Retriever (female)German Shepherd (male)Yorkshire Terrier (female)Mixed Breed Cat (male)
Age4 Months2 Years6 Months4 Years
LocationNew York City (zipcode: 10005)Los Angeles (zipcode: 90010)Chicago (zipcode: 60604)Miami (zipcode: 33114)
Reimbursement Level90%90%90%90%
Annual Deductible$200$200$200$500
Price Per Month$103.59$93.37$43.63$36.87

Coupon Code

There are not any active Trupanion coupon codes at this time.

What Does Trupanion Cover?

After the deductible and exam fee, even with the basic, or “core” plan, Trupanion pays 90% of actual veterinary bills for approved illness and accident claims, whether from the veterinary hospital, specialty animal hospital or emergency care center. While it is great that Trupanion covers 90% of the bill, other pet insurance providers are more flexible, allowing customers to choose their reimbursement level. This could mean a lower monthly premium for you. Below is a full list of what Trupanion does and does not cover.

Covered by TrupanionNot Covered by Trupanion
SurgeriesPre-existing conditions
HospitalizationWellness visits (preventative or routine care)
Prescription medicationsTeeth cleaning
Diagnostic treatment and testing (x-rays, blood tests, etc.)Spay/neuter procedures
InjuriesVeterinary exam or office visit fees
IllnessesParasite control
Congenital conditions
Hereditary conditions
Chronic conditions
Emergency care
Alternative treatment

Pet Owner Assistance Add-On Package

The Pet Owner Assistance package costs $4.95/month in addition to the core plan premium.

  • Boarding fees during owner hospitalization
  • Liability coverage for third-party property damage
  • Vacation cancellation costs
  • Cremation or burial fees
  • Advertising and reward

Recovery and Complementary Care Rider

The price of this plan can vary anywhere from a couple of dollars towards $30 and is in addition to the core plan premium.

  • Acupuncture
  • Chiropractic
  • Homeopathy
  • Hydrotherapy
  • Physical and rehabilitative therapy

About Trupanion Pet Medical Insurance

Trupanion pet medical insurance was founded in Canada in 1998 as VetInsurance. In 2005, VetInsurance expanded to the U.S. and re-branded in 2008 as Trupanion. For the last decade, American Pet Insurance Co. (APIC), a subsidiary, has performed the underwriting duties for Trupanion. Many pet insurance providers do not have their own underwriter, Trupanion claims that this allows them to pay back 70 cents for every dollar spent in premiums. The U.S. branch is headquartered in Seattle, Washington, and was named one of Washington state’s Best Workplaces in 2013.

Compare Trupanion To Other Leading Pet Insurance Providers

Visit our Pet Insurance Reviews page to see a comprehensive comparison of the leading insurance providers for pets. See how Truepanion stacks up against the competition and if they’re the right pick for you.

Why are you thinking of getting pet insurance through Trupanion?

Disclaimer: Information regarding insurance company offerings, pricing and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new pet health insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

Kristi is a regular writer for Cover Story Media, including Canine Journal. She has over 10 years of experience in PR and Communications. Her experience ranges from script-writing, event and stage management, coordinating press conferences, photography and writing for local magazines and her own blog. She was born and raised in Mount Airy, North Carolina (a.k.a. Mayberry), and is a proud graduate of Appalachian State University, her heart never wanders far from her beloved Blue Ridge Mountains.

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10 Comments on "What Makes Trupanion Pet Insurance Unique?"

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OMG! what a rip off company. I have been paid since 2014, my dog just pass away due to illness and submit 3 claims – this is just a joke. They won’t even reimburse me because apparently my deductible has not pass the membership I choose. So not only I have to deal with the sadness of loosing a member of my family but I have to deal with them from all the amount I spend trying to save my dog and regardless of what happen they don’t refund you. Then don’t choose cremation on the clause because even if… Read more »
If I could give this company 0 stars I would. Before setting up our policies (by the way the highest on the market $79/month each dog) I went through my dogs medical records throughly with the company rep. She ensured me that no of my concerns were pre existing medical issues and that my dog would be covered if any injury occurred. Well low and behold my dog was injured and everything was pre existing. Not covered, not even close! Take note if you have time read the article in the ny times about pet insurance its worth the read,… Read more »
Our 8-year old German Shepherd required a TPLO procedure for a torn ligament. This medical procedure was done by a specialist in Ketchum, Idaho. The total cost of this procedure was $2600. Three weeks prior to the procedure, right after I had gone to my vet to ascertain the reason why my dog was limping, I called Trupanion. They provided me the claim forms immediately. Two days after the TPLO procedure, I filed the claims. Three weeks to the day of filing the claims, we received our reimbursement (90% of the medical costs less the $400 deductible). The diagnosis at… Read more »
Scam! Signed up with Trupanion May 2015. Noticed my monthly payment kept increasing. Went from $77 and, $89 a month to $89 & $107. I called in to be told they increase yearly due to vet prices increasing (funny the vets in the city have increased their prices). I was upset that they didn’t let me know (told me they sent a email in April which I definitely don’t have.) If I knew they increased their rates yearly I would of never signed up. How much does it increase? Every year for how long? I’ve never even made a claim!… Read more »

Trupanion is one of the worst pet insurance companies in the world. They do have a lot of paid reviewers though. The truth is that the company does not cover a single known and valid pet health concerns including things like Giardia or sickness. The company itself is fraudulent and terrible to deal with. I have proof of constant rejection, false advertisement. Please don’t trust the comments posted here and save your money today.


Look up the definition of pre-existing. Signs or symptoms that show prior to getting a policy with any company will be denied. How can hundreds of thousands of customers with that company get reimbursement for medical conditions but yet they singled you out to not pay your claims? Not the case. Dogs get small signs and symptoms that can be the start of a serious issue, that’s why you don’t wait to get insurance.


It is true what you are saying they spend most of their time rejecting paying these people must be fak

Brynn Delaney
Brynn Delaney
I’ve used Trupanion for 3 years now and I’ve never been disappointed with their coverage. Their customer service is some of the best I’ve dealt with in any industry—you get to talk to a real live human! Working at a vet hospital myself, I’ve seen first hand how having insurance can make all the difference in what a family is able to do for their pet. Originally I bought the insurance for my older cat primarily, who was 8 at the time, and getting it for my then 2 year old cat was an afterthought. Mostly, I just thought I… Read more »
L Austin
L Austin
Got Trupnaion after researching others. Rescued as GSD in July. Limping in October. Thought it was hips – went to vet – it was the back. Bill to exclude flea meds was about $100 to apply to deductible. Then vet suggested pills were $75 off of Amazon. Completed paperwork. Both denied. Called in November to cancel. Talked me into appealing – which guess what takes until you pay your next payment. Visit denied because it was precautionary – no it wasn’t – went there because it looked like he was hurting. Called to cancel. Next day they emailed that the… Read more »
Trupanion’s policy is written in such a way that any symptom or behavior can be manipulated into a pre-existing condition. Look at this sentence: pre-existing conditions per Trupanion are “9.B.i Illnesses or injuries for which signs or evidence of their potential manifestation existed within the 18 months prior to the policy enrollment date.” Did you get that? “Potential manifestations” gets them out of paying anything unless your dog was insured the day you got him and before he ever visited a vet’s office. My schnauzer had been insured for a little over 3 years when he started having severe rashes… Read more »

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