Trupanion Pet Insurance Reviews | Pros & Cons | Legit &Scam | How It Works

Trupanion pet insurance provides unlimited annual cover comprehensive insurance that provides up to ninety percent reimbursement to its customers. The company stands out for its excellent customer service, though, its premiums are quite expensive.

If you are looking for an easy plan that can cover both your cat and your dog, Trupanion single plan serves the purpose.

There are many Trupanion pet insurance reviews available on the internet that says a lot about the company. However, if you are wondering how legit the company is or if it is worth the try, then continue reading till the end.

Trupanion Through the Ages

Darryl Rawlings founded Trupanion in Canada in the year 1999. In 2005, the company expanded and took its operations to the United States where it has remained among the top contenders when it comes to pet insurance today.

In 2007, the company acquired the American Pet Insurance Company, which is in charge of underwriting its policy in the United States.  More recently in 2019, the company took its operations to Australia where its performance is also reputable.

From the onset, Trupanion was reputable for providing comprehensive insurance cover for pets’ accidents and illnesses through the acceptance of more claims, which was not in the pet insurance industry during the period.

Through this gesture, Trupanion set a new standard for the top competitors in the pet insurance industry today. With a steady growth of employee strength over the years, the company currently carters for over 850 employees with thousands of policyholders and their pets as its client.

Websites like  score the company 89.5 out of 100 for several factors ranging from:

  • Unlimited payouts
  • Quality of customer service
  • Covered procedures
  • Ability to access direct payment to vet doctors
U.S. News and World Report rank Trupanion number 2 on their list of best pet insurance companies in 2022.

Unlike your regular pet insurance companies, Trupanion maintains the same premium for your pets even as they grow older. However, the company states that annual premium increments may occur as a result of an increase in vet costs and utilization. When it comes to Trupanion pet insurance, there are no annual sub-limits to claim pay-outs. Therefore, Trupanion will pay for any cost of treatment for your pet (up to 90% after the selection of annual deductibles). While many pet insurances company’s places customer’s claims pay-out at an annual cap as well as have different claims pay-out limit for different kinds of injuries, Trupanion does not. 

Trupanion has a waiting period of five days after you claim a policy for injury and thirty days for illnesses.

Currently, Trupanion is available in fifty states including Canada, Washington DC, and Puerto Rico. However, pricing and requirements may differ according to your location.

A good example is a process for purchasing an insurance cover, which is different when you compare Florida to other states. As part of the process, Florida residents will have to submit their veterinary report for the past 12 months before the beginning of their enrolment.

Therefore, it is essential to go through the requirements for each state before enrolling.  

Read: How Much Life Insurance Do I Need? | Full Guide

Trupanion Pet Insurance Plans

Trupanion offers a single plan that covers both accidents and illnesses like:

  • Accident: broken bones, tooth trauma, infection, vomiting, infection, and diarrhea, etc.  
  • Illnesses: diabetes, thyroid disease, heart diseases, allergies, elbow and hip dysplasia, upper respiratory infections, nervous system issues, and liver diseases, etc.

Under the Trupanion plan, the following are examples of procedures and treatments that the insurance company takes care of;


Procedures like surgery, dental, and diagnostic tests are covered under the Trupanion plan.


Trupanion covers also carters for veterinary supplies, hospitalization of pets, care for veterinary supplements, cost of prosthetic devices, payment for herbal therapy, payment for prescribed medication, and fifty percent of the cost of prescription diet where applicable.

Trupanion also provides two extra coverages, which are:

  • Pet owner assistance package: to assist pet owners in taking care of unexpected costs that may occur in the course of caring for your pet. They include expenses like:
    • Advertising and payment for a lost pet
    • Boarding fees
    • Cremation or burial of a dead pet
    • Liability insurance for third-party property damage
    • Fees to cover for Vacation cancellation
  • Recovery complementary care rider: exclusive for comprehensive coverage that involves a non-clinical practice like:
    • Acupuncture
    • Behavioral modification therapy
    • Chiropractic care
    • Hydrotherapy
    • Homeopathy
    • Naturopathy
    • Rehabilitative therapy

Read: Root Insurance Reviews 2022: Is It Legit Or Scam | How It Works

Trupanion Coverage Exclusions

There are some exclusions to Trupanion policy coverage. One of such exclusions includes coverage for any injury or illness with signs or symptoms that are visible within 18 months before the insurance policy date.

Injuries/ accidents that occur within the five days waiting period and illnesses that occur within the thirty days waiting period are also not covered by Trupanion.

There are also other exclusions, which are:

  • Anal gland expression
  • Breeding and pregnancy fees
  • Elective and cosmetic procedures
  • Exam fees
  • Neuter or spray practice  
  • Parasitic infection
  • Preventive care
  • Processing cost for transmission due to medical history
  • Injuries from training
  • Pet vaccination
  • Wellness exam
  • Expenses incurred from pet transportation

Trupanion Pet Insurance: How It Works

Trupanion Pet insurance pricing works with your location, the type of pet and its breed, the size, age, and your choice of deductibles. Policyholders have the liberty to modify their deductibles from any fees between $0 to $1,000.

According to Trupanion pet insurance reviews, the monthly cost for Recovery and Complementary Care Rider varies according to the type of pet. However, the Pet Owners Assistance Package is $4.95 monthly (flat-rate). Your pet details do not affect this package.

Trupanion Discount Offers

Trupanion offers a 5% discount for qualifying assistance or therapy pets. However, emotional support animals are not eligible for the discount as well as policyholders and animals in Washington.

Policyholders in Florida can cut down costs when they choose between three pay-out compensation plans, which are hundred, ninety, or seventy-five percent. Other states have a standard 90% coverage compensation rate.

Read: Globe Life Insurance Review

Trupanion Pros and Cons


  • There are no limits to Trupanion payouts
  • Free of annual deductibles
  • Provides the options of rehabilitative treatments or complementary care coverage.
  • Provides pet owner assistance to cover for expenses that may occur like property damage by pet, rewards for lost/stolen pet, and pet advertising.
  • Allows direct payment to animal hospitals so that policyholders can pay at checkout.


  • Trupanion insurance does not cover pet wellness
  • There is no discount for clients with more than one pet or those that make up-front payments for their policy (usually, the company only accepts monthly payments. Therefore, it may be impossible to make up-front payments).
  • The customization options are few for Trupanion

Is Trupanion Pet Insurance Legit or Scam?

Besides the high premium fees, one of the key reasons why people tend to shy away from Trupanion is that despite the many years American Pet Insurance Company has been responsible for underwriting the Trupanion pet insurance policies.

The company does not appear on any of the major policy credit rating agencies like Moody’s and AM Best.

Nonetheless, it might interest you to know that the company was rated A (Exceptional) by Demotech, a financial analysis firm with the primary responsibility of rating the financial stability of companies.

Regrettably, not appearing on any major rating platform is not the only problem facing the insurance company. There are also some recurring issues specifically with how policies are sold at Trupanion.

In the past two years, the BBB recounted two government actions against the insurance company in two years, one in California and the other in Washington.

In both cases, Trupanion was found wanting in ensuring that sales representatives are properly licensed.

Again, in Washington, the company has also faced more problems with the insurance commissioner with three separate fines.

However, it is important to mention that these issues are usually with the third-party seller and will not affect those purchasing their policies directly online from the Trupanion website.

Not undermining the different issues with Trupanion, the company has remained notable over the years. Going by the various Trupanion pet insurance reviews available online, there is no doubt that the company is legit.

With operations covering over fifty states and service centers visible in many states, one no longer needs to doubt if the company is genuine.

While different problems may arise, which is typical of the insurance business, the company remains famous for its excellent service delivery.

Read: Safeco Insurance Reviews 2022: Pros & Cons | Legit & Scam | How it Works


Rating by face value, Trupanion offers some of the best policy terms in the pet insurance industry with affordable low-premium plans. However, it is essential to understand that selecting lower deductions will cause the premium to become unreasonably expensive (above other competitors).  

Also, the lack of wellness and preventive coverage for pets may be a setback for some people.

Nonetheless, Trupanion pet insurance is ideal for those that do not have specific requirements except for protection in the case of unanticipated occurrences.

Conversely, if you intend to use your insurance plan for a longer period to care for your pet, then you might consider another option.


This article presents Trupanion Pet Insurance Reviews. We hope you enjoyed the read?



Leave a Reply
You May Also Like