Trupanion Pet Insurance

   
Company:
Product: Pet Insurance
Pet Covered: Dog / Cat
Quote via this site:
Level of Coverage  
Accident Yes
Illness Yes
Routine Care No
Sample Insurance Quotes  
Dog Quote 1 $24.68/month
Dog Quote 2 $31.46/month
Dog Quote 3 $33.88/month
Dog Quote 4 $33.76/month
Cat Quote 1 $15.12/month
Cat Quote 2 $15.33/month
Cat Quote 3 $19.51/month
Cat Quote 4 $20.41/month
Accident Coverage  
Veterinary Visits No
Emergency Visits Yes
Specialist Visits Yes
Diagnostic & Lab Tests Yes
Prescription Medications Yes
Surgery Yes
Hospitalization Yes
Dental Injury Yes
Illness Coverage  
Veterinary Visits No
Emergency Visits Yes
Specialist Visits Yes
Diagnostic & Lab Tests Yes
Prescription Medications Yes
Surgery Yes
Hospitalization Yes
Dental Illness No
Routine Care Coverage  
Wellness Exams No
Standard Vaccinations No
Heartworm Testing No
Flea & Tick Prevention No
Heartworm Prevention No
Spay/Neuter No
Preventive Dental Care No
Additional Coverage  
Pre-Existing Conditions not covered
Hereditary Conditions yes*

Chronic, hereditary, and congenital disorders are covered 90%, pre-existing conditions are not covered.

Hip dysplasia is optional coverage for pets enrolled before their first birthdays only, and only included if you elect to have it. Hip dysplasia coverage is not optional for pets who enroll after their first birthday.

Congenital Conditions yes
Chronic Conditions yes
Cancer yes

covered

Hip Dysplasia optional add-on
Alternative Therapies optional add-on
Behavioral Therapy no
Special Diet Foods yes (partial reimbursement)
Pregnancy no
Travel Coverage yes, US & Canada
Boarding Fees no
Advertising & Reward no
Loss Compensation no
Death Compensation no
Vacation Cancellation no
Euthanasia yes
Burial or Cremation no
Policy Features  
Deductible Type per incident
Deductible Amount $500; optional, $50 to $1000
Co-Pay Amount 10% + vet exam fee & optional deductible
Claim Payment Basis 90% of actual veterinary costs for approved accident and illness claims, less the exam fee and optional deductible
Incident Limit none; optional

No Payout Limit - With Trupanion, your pet receives unlimited lifetime pet insurance coverage. Trupanion does not impose any per incident limits, annual limits, or lifetime limits on the amount of care your pet can receive.

You have the option to select a lifetime per-incident deductible of $0 or any deductible amount from $50 to $1000 in increments of $5

Annual Limit none
Lifetime Limit none
Routine Care Limit not covered
Waiting Period - Accidents 5 days
Waiting Period - Illness 30 days
Waiting Period - Routine Care not covered
Waiting Period - Cruciate Injury info unavailable
Policy Term renews until cancelled
Money Back Guarantee
Period
30 days

Trupanion offers a 30 money-back guarantee, if you have not made a claim.

Claims Process mail or fax

Claims can be submitted via fax or mail.  Send in completed claim form and actual receipts within 90 days of the treatment date.

Renewal Terms renews until cancelled

Th policy is continued until cancelled, and will renew automatically each month as long as premium payments are current.

Cancellation Terms written notice

You may cancel your policy at anytime without penalty.  To cancel, notify the company in writing via regular mail, fax, or e-mail at least 14 days in advance of your next premium payment.

Company may cancel with 20 days written notice sent

Choice of Veterinarian yes, within USA
Pricing & Discount Features  
Age Rating No
Breed Rating Yes
Location Rating Yes
Microchipped Pet Discount no
Spay/Neuter Discount no
Multiple Pet Discount no
Service Pet Discount no
Military Discount no
Employer Group Discount no
Veterinary Staff Discount no
Affiliation/Partner Discount no
Online Discount no
Annual Payment Discount no
Pet Coverage Criteria  
Minimum Enrollment Age 8 weeks
Maximum Enrollment Age under 13 years old
Maximum Age for Renewal unlimited
Exclusions or Limitations no

Trupanion enrolls all dogs and cats under 13 years old.

 

Pre-Certification Required yes
Company Information  
Year Started 2008
State Licensing US and Canada
Trupanion offers pet insurance in US and Canada.
Partners & Affiliations AAHA, NAPHIA, BBB, Petco