Trupanion US | Pet Insurance Review

The Trupanion policy pays 90% of the bill for all covered expenses once your deductible is met. Plus, we cover:

• Hereditary conditions (like hip dysplasia, diabetes, etc.)
• Congenital conditions (like heart disease, cataracts, or liver disease)
• Unidentified conditions (like vomiting or diarrhea, cough, sudden weight changes, etc.) and the diagnostic tests needed to identify them

We also offer a Recovery and Complementary Care rider to expand your policy to include additional treatments like:

• Acupuncture
• Chiropractic Care
• Hydrotherapy
• Physical Therapy
• And many more

The Trupanion policy* has no payout limits, so whether your furry best friend needs one quick visit or a lifetime of care, your coverage won’t quit.

That can mean a big difference if your pet develops a chronic condition requiring extended care like allergies, diabetes, or even cancer.

Customize your deductible to fit your budget, from $0 to $1,000. You can choose to lower your deductible within the first 30 days of enrollment, or increase it at any time.

Plus, Trupanion policy deductibles are per-condition and good for the life of your pet. That means no annual resets—once a deductible is paid, it stays paid. Forever.

All cats and dogs under the age of 14 can enroll.

Birthdays are for celebrating; so unlike other providers, we don’t factor getting older into your pet’s rate. If you enroll your cat or dog at 6 weeks, they’ll always be 6 weeks—and priced like a 6 week old—in our eyes.

• Accidents: 5 days
• Illnesses: 30 days

Other providers may have additional waiting periods for congenital conditions like hip dysplasia. Trupanion does not.

Trupanion was developed to protect you and your pet from unexpected illnesses and injuries. That means we don’t cover “predictable” care costs that you can plan ahead for, like:

• Examination fees
• Wellness, preventive, elective, or cosmetic care
• Sales tax, where applicable

Like all pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early!

* Terms and Conditions apply. Coverage may vary by state. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Express.