TRUPANION
Pet Insurance Review
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AVAILABILITY
United States
Canada
Australia
Puerto Rico
COVERAGE LIMITS
No per incident limits
No annual limits
No lifetime limits
INSURANCE COSTS
Your costs do not increase due to your pet’s increasing age
PRE-APPROVAL PROCESS
Obtain pre-approval from Trupanion before committing to costly treatments
CUSTOMER CARE TEAM
Available 24/7/365
NO ACCIDENT ONLY PLAN
Accident only plans offer optional lower coverage and related cost savings
NO WELLNESS PLANS
Unavailable. Trupanion views these as predictable routine costs, allowing you to bypass intermediaries and budget for them directly.
CUSTOMIZABILITY
Limited customizability compared to competitors
REIMBURSEMENT RATES
100% not an option (90% max)
CLAIMS PROCESSING
Trupanion directly covers your vet expenses, eliminating the need for you to make upfront payments and wait for reimbursement (conditions apply)
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Hereditary & Congenital Conditions
Cherry eye
Diabetes
Hip dysplasia
Thyroid disease
Cancer
Arthritis
Heart disease
Liver disease
Urinary obstructions
Nervous system issues
Illnesses & Injuries
New, unexpected illnesses and injuries
Bite wounds
Swallowed objects & toxins
Patella luxation
Allergies
Kidney disease
Upper respiratory infections
Urinary obstructions
Other
X-rays
Ultrasounds
CT scans
Medications
Veterinary supplements
Herbal therapy
Physical therapy
Advanced dentistry
Prosthetic devices & carts
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90% coverage for:
Acupuncture
Behavioral modification
Hydrotherapy
Naturopathy
Chiropractic treatment
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Illness and injuries related to:
Breeding
Whelping
Queening
Your pet will be ineligible for coverage if pregnant prior to enrollment
The following are not covered under this rider or the core policy:
Planned caesarean births (unless medically necessary)
Routine prenatal exams
Pre-breeding tests
Fertility treatment
Artificial insemination
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Liability coverage for third-party property damage
Advertising and reward
Boarding fees
Holiday vacation cancellation costs
Cremation and burial fees
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Illness & Accident vet exam fees
Administrative charges, taxes, and shipping costs
Pre-existing conditions
Wellness / preventive care (e.g., check-ups, vaccines)
Illnesses or injuries that arise from intentional or reckless activity
Elective, cosmetic, or preventive procedures
Injuries related to racing
Cloning
and more
Coverages and exclusions listed are a sample with potential limitations, subject to change based on jurisdiction, age, and health. Refer to our Terms of Service for the full disclaimer. Information provided is general; it's not professional advice. Verify policy details with the company or seek advice before deciding. We're not liable for any loss or damage. External links don't signify endorsement; users are encouraged to independently research for informed insurance decisions.
AVAILABILITY BY COUNTRY
Trupanion was active throughout the United States, Canada, Australia, and Puerto Rico, at the time of writing. Such availability is subject to change.
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No per incident limits
No annual limits
No lifetime limits
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90% maximum
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5 days for injuries
30 days for illnesses
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Premiums
Premiums factor in your pet’s breed, age, and optional add-ons, if any, that you choose
Discounts
None
Deductibles
Choosing a higher deductible will decrease premiums
Choosing a lower deductible will increase premiums
Options range from
$0 - $1,000
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Insurance partners:
United States
America Pet Insurance Company
Canada
Omega General Insurance Company
