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Trupanion Review: Pet insurance with you in mind

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Having a pet in your home is like a beacon of love roaming the hallways, and the desire to want to protect your fur baby at all costs is a must.

When it comes to animal insurance, choosing the right plan for your pet isn’t exactly an exciting process. After all, sifting through endless policies from insurance companies on the internet is arduous in itself, let alone figuring out which policy is the best fit.

But that’s where the pet insurance company Trupanion does things differently! In this WealthRocket article, we’ll provide a review of Trupanion that details how the pet insurance provider works and how it keeps both you and your pet(s) in mind.

Trupanion Review 2022

Sometimes, navigating any insurance feels like you need a university degree. This Trupanion review will clarify what Trupanion is, how it works, pricing, pros and cons, and much more.

What is Trupanion?

Trupanion is a dedicated pet health insurance company that operates out of Seattle, Washington.

Founded in Canada in 1999, Trupanion has since expanded to the United States, Puerto Rico, and Australia since its humble beginnings.

Trupanion offers pet insurance and support to feline and canine owners, with a commitment to transparent initiatives.

Trupanion’s aims to keep pet policies and premiums simple down to the last detail.

How does Trupanion work?

Pet insurance companies generally offer competitive monthly plans called policies, and Trupanion operates no differently.

Trupanion insures any dog or cat between the ages of eight weeks and 14 years.

At first glance, pet owners may notice that this company is slightly more expensive than its competition. Still, Trupanion covers 90% of the costs to help pay for any ailment, without restrictions on hereditary or congenital issues.

The consistent monthly fee structure models itself on factors that consider your pet’s breed and age upon enrollment.

Surprisingly, insurance rates do not change as your pet gets older. That may sound too good to be true, but it’s not.

For example, if you were to insure an eight-week-old puppy, it will cost the same rate to ensure that puppy for its entire life.

The only catch is that the waiting period between signing your pet up and when the coverage kicks in is five days for injuries and 30 days for illnesses.

For over two decades, Trupanion has staffed hard-working pet lovers whose goal is to make sure your four-legged companion receives all the necessary attention by alleviating any financial burdens.

The remaining small portion on the vet bill is known as the annual deductible, which is the consumer’s responsibility to cover. It is important to note that regular checkups are not covered under any insurance policy as the deductible price heavily outweighs the cost of the appointment.

We know and fully understand how easy it is to get lost in the small print when all you are looking for is the best care available for your best friend.

Pricing with Trupanion

Monthly fees can range from $22 to $100, depending on the type of pet insured. There are hundreds of policy options to choose from, with deductibles ranging from $0 to $1,000. There is surely something to suit everyone’s budget.

Most veterinary health insurance companies have payout limits or stop offering services after filing a certain number of claims. However, Trupanion is not like most, offering one comprehensive plan with customizable coverage.

Deductibles are paid once per incident, which is ideal for chronic conditions such as allergies. Medical costs can vary regionally, which is why Trupanion works directly with veterinarians.

Having Trupanion’s share of the bill already paid for before you leave the clinic can be a weight off the shoulders. It also helps by covering up to 90% of costs on all unexpected injuries or illnesses once meeting the deductible payment.

How to get a quote with Trupanion

It takes just a few minutes on Trupanion’s website to find the right plan for you and your furry friend.

Start by plugging in the necessary information such as your pet’s name, breed, and age on the Trupanion sign-up wizard. Other factors include your location, whether your pet is spayed or neutered, and even if they’re a registered service animal.

The next steps are up to you. You can choose a preferred plan that involves weighing up different prices and deductible options. If you have any questions, calling the 24-hour customer service line is always an option.

They will gladly help build a personalized plan that fits the needs of your pet as well as your wallet. Once enrolled and agreeing on a monthly fee, you will receive the price for your pet’s lifetime insurance.

Yes, prices with Trupanion are slightly higher than its competitors. However, you may notice that it pays itself off in the long run. Trupanion stands out by offering alternative healthcare into its plans like acupuncture, hydrotherapy, and behavioral modification.

Trupanion Pros & Cons

Trupanion is an excellent option for pet insurance, but comes with it’s own set of pros and cons. You can view the pet insurance providers advantages and drawbacks below.


  • Available in Canada, the USA, Australia, and Puerto Rico

  • No payout limits

  • All plans offer 90% coverage

  • 24/7 customer care


  • Quotes are on the expensive side

  • No multi-pet discounts

  • Pre-existing conditions not covered

  • No wellness care package available

Frequently Asked Questions

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