Updated 1/30/2024
To get the most from these sheets, please readthe Guide to Pet Insurancefirst.
| Company Info | |
| Company Name | Trupanion |
| Also Known As / Affiliates / Partners | State Farm, Aflac, Geico and Chewy offer plans through Trupanion |
| Address | 6100 4th Ave South, Suite 200 Seattle, WA 98108 |
| Phone | 888-733-2685 |
| Website | www.trupanion.com |
| Plans That Provide Both Accident and Illness Coverage | Trupanion Accident and Illness * |
| States Covered | Available in all States |
| Underwriter and AM Best Financial Strength Rating | Insurance underwritten by American Pet Insurance Company or ZPIC Insurance Company. American Pet InsuranceCompany has an AM Best Financial Strength Rating of NR asof 1/30/2024. ZPIC Insurance Company has an AM Best Financial Strength Rating of NR as of 1/30/2024. For the most recent ratings go to: AMBest American Pet Insurance Company is not rated (NR) by AM Best, however they are rated byDemotech, Inc. Read More: ZPIC Insurance Company is not rated (NR) by AM Best or Demotech, Inc. Trupanion is a public company. To get a glimpse of their financials, visit: www.marketwatch.com |
| Year Company Started | 2008 in the USA |
| Policy Basics | |
| Policy Term | Month to Month |
| Effective Date | The Effective Date will be listed on the DeclarationsPage of your policy after you apply and are accepted. |
| Enrollment Age | Pet must under 14 years of age |
| Cancellation Policy | Ask for a current copy of their insurance policyso that you may review their cancellation policy |
| Waiting Period | 5 days for injuries. 30 days for illnesses. **Waiting Periods can vary by state. See actual policy or contact Trupanion to confirm the waiting periods for your state. |
| Waiting Period for Cruciate Injury | Standard waiting periods apply (30 day waiting period). **Waiting Periods can vary by state. See actual policy or contact Trupanion to confirm the waiting periods for your state. |
| Coverage When Travel Out of State orCountry? | You can choose any licensed veterinarian in the US, Puerto Rico and Canada. This includes any other region under US or Canadian control including military bases. Sample policies include Australia in this list. Website FAQ does not. |
| Can the Price of the Policy Increase as my Pet Ages? | No, the policy premium won't increase due to your pet's age, BUT it may increase due to inflation or other reasons. Contact the company for more information on when and how your premium may increase. |
| Does Coverage Stop Due to Age? | Not Clear |
| What Happens when the Policy Renews? | Chronic conditions will continue to be coveredas long as you do not go over your Maximum Payout. (Note:Trupanion has an unlimited payout structure.) |
| Can the Price of the Policy Increaseif a Claim is Filed? | No, BUT they may adjust your price up or down based on the claims submissions in your geographical area. |
| Choice of Vet? | You can choose any licensed veterinarian in the US, Puerto Rico and Canada. This includes any other region under US or Canadian control including military bases. Sample policies include Australia in this list. Website FAQ does not. |
| Money Back Guarantee? | There is a 30 day money back guarantee. They will refund your money in full as long as you have not filed a claim. *May vary by state |
| Surcharge for Visiting a Specialist or EmergencyClinic? | No |
| Referral needed to Visit a Specialist? | No |
| Pre-certification Required? | No |
| Additional Requirements | **See actual policy or contact Trupanion for acomplete list of the requirements you are expected to adhere to inorder to maintain coverage. |
| Pet Insurance Policy Available for Pre-PurchaseReview? | Samplepolicy available online |
| What's Covered | |
| Species Covered | Dogs and Cats |
| Accident/Injury - Baseline Coverage | Covers diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications. Does not cover veterinary exam fee. |
| Illness - Baseline Coverage | Covers diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications. Does not cover veterinary exam fee. |
| Behavioral Therapy Coverage | [OPTIONAL] Behavioral Modification Coverage is available for an additional feeas part of the Recovery and Complementary Care Rider. This rider must be purchased within the first 30 days following your Policy Enrollment Date. **See actual policy or contact the company for a complete description of what types of Behavioral Therapy are covered |
| Alternative Therapy Coverage | [OPTIONAL] Alternative Therapy Coverage is availablefor an additional fee as part of the Recovery and Complementary Care Rider. This rider must be purchased within the first 30 days following your Policy Enrollment Date. **See actual policy or contact the company for a complete description of what types of Alternative Therapy are covered |
| Pre-existing Conditions Policy | Pre-existing conditions are not covered. Pre-existing conditions are Illnesses or Injuries for which signs or evidence of their potential manifestation existed prior to enrollment or during the waiting period. In some states, the period prior to the Policy Enrollment Date is limited to only 18 months. **See actual policy or contact Trupanion for complete description of pre-existingconditions. |
| Hereditary & Congenital Conditions Coverage | [INCLUDED] Hereditary and congenital conditions are covered as long as they are not pre-existing and have not occurred during the waiting period. These conditions are covered up to the Maximum Payout. Note: Trupanion has an unlimited payout structure. (See 'Max Payout' section below) |
| Continual Coverage for Chronic Conditions | [INCLUDED] Continual coverage for chronic conditionsis included in policy. Chronic conditions are covered up to the Maximum Payout. Note: Trupanion has an unlimited payout structure. (See 'Max Payout' section below) |
| Chronic Conditions Policy | Chronic conditions are covered as long as they are not pre-existing and have not occurred during the waitingperiod. Chronic conditions are covered up to the Maximum Payout. Note: Trupanion has an unlimited payout structure. (See 'Max Payout' section below) |
| Cancer Coverage | [INCLUDED] Cancer conditions are covered as long asthey are not pre-existing and have not occurred during the waitingperiod. |
| Cancer Coverage Limits | Cancer conditions are covered up to the Maximum Payout. Note: Trupanion has an unlimited payout structure.(See 'Max Payout' section below) |
| Hip Dysplasia | [INCLUDED] Hip Dysplasia is covered as long as it is not pre-existing and has not occurred during the waiting period. Standard waiting periods apply (30 day waiting period). May vary by state. This condition is covered up to the Maximum Payout. Note: Trupanion has an unlimited payout structure.(See 'Max Payout' section below) |
| Prescription Drug Coverage | [INCLUDED] **See actual policy or contact Trupanion for full list of inclusionsand exclusions |
| Pregnancy Coverage | [OPTIONAL] Coverage of illnesses or injuries that occur during breeding and birthing is available for an additional fee. The pet must be enrolled under the Breeding Rider policy. In some states, you must purchase this rider within the first 30 days following your Policy Enrollment Date |
| Routine/Wellness Coverage | [NO] - Routine Care is not covered or offeredas an addon |
| Vaccinations | [NO] - Routine Care is not covered or offeredas an addon |
| Spay/Neuter | [NO] - Routine Care is not covered or offeredas an addon |
| Dental Care (Routine) | [NO] - Routine Care is not covered or offeredas an addon |
| Dental Care (Illness/Accident) | Dental illnesses are not covered if your pet hand any signs of dental disease that occurred prior to the enrollment date or during the waiting period. What is covered varies by state. See policy for limitations related to dental coverage. There are things you must adhere to in order to receive dental coverage. See policy for details. **See actual policy or contact Trupanion for complete description of their dental coverage for illness and injury. |
| Bilateral Conditions Policy | If signs or evidence of luxating patella, glaucoma, entropion, ectropion, elbow dysplasia, cataracts, cherry eye; and disease, weakness, instability, tear, partial tear, or rupture of the cranial cruciate ligament happen on one side of the body before they policy starts or during the waiting period, that condition will not be covered if it happens on the other side. Even if it happens after the waiting period. How the policy is worded it is not clear if Hip dysplasia is treated the same way. Their description of Hip Dysplasia when it comes to pre-existing conditions is vague in this area. In some states, the period prior to the start of the policy is limited to only 18 months. **See actual policy or contact Trupanion for a list of medicalconditions that are considered bilateral and for a complete descriptionof their Bilateral Conditions Policy. |
| Coverage - Overview (pleaseread policy for full coverage details) | Diagnostics and treatments due to illness and accidents [Included] Hereditary & Congenital Disorders, Hip Dysplasia Coverage, Continual ChronicConditions Coverage, Cancer Coverage, Prescription Medications, DentalIllness/Accident. (Refer to each category's section for limitations) [Optional] Alternative Therapy Coverage, Behavioral Therapy Coverage,Pregnancy Coverage (Refer to the category's section for limitations) **See actual policy or contact Trupanion for fulllist of inclusions, exclusions, limitations and conditions. |
| What's not Covered - Overview (partial listing, please read policyfor full details) |
|
| How The Policy Works | |
| Reimbursem*nt | 90% |
| Deductible | Deductible is per condition or injury Per Lifetime. You can choose a deductible from $0 - $1000. |
| Flat Deductible vs % Deductible | Flat |
| Deductible Per Incident vs Annual Deductible | Per Condition or Injury Per Lifetime. Once the deductible is met, it is for the lifetime of the pet for anything relatedto that condition or injury. |
| How is Reimbursem*nt Determined | Reimbursem*nt is based on Actual Vet Bill. It is not clear if the reimbursem*nts are calculated by taking the deductible first or the reimbursem*nt percentage first. |
| Max Payout Annually | Trupanion does not have a maximum annual payout |
| Max Lifetime Payout | Trupanion has an unlimited lifetime maximumpayout. |
| Max Payout per Incident | Trupanion does not have a maximum payout perincident |
| Max Payout Based on Body System | Trupanion does not have a maximum payout basedon body system |
| Client Reimbursed or Vet Paid Directly | You pay the veterinarian and then you are reimbursedafter you file the claim. |
| Pricing | |
| Approximate Monthly Costs | Approximately $22.00 - $270.00 depending onyour location, selected options, etc. |
| Additional Info | |
| My Review | Trupanion Review |
| What are Customers Saying? | PetInsuranceReview.com andYelp.com |
| Better Business Bureau | bbb.org |
| Additional Info | |
**Disclaimer: Thesecharts are created based on my research. While I do my best to stay current,information can change quickly. Also, terms and conditions can vary fromstate to state. Before buying a pet insurance plan, confirm all informationby contacting the company or reading the most current policy for your state. We will not beheld liable for errors or omissions. If you see something that is incorrector needs clarifying, please let me know.
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