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How Much Does Trupanion Pet Insurance Cost? 2024 Update

Kristin Hitchcock

By Kristin Hitchcock

young woman owner with her Jack Russell Terrier at home

In This Price Guide: Pricing | Additional Costs | Exclusions | Premium Determination

Pet insurance isn’t that new. However, it only recently became popular. A decade ago, it was almost unheard of to purchase pet insurance for your canine. There weren’t that many companies offering this sort of insurance, either.

However, many companies have sprouted up over the last few years. Trupanion remains one of the oldest companies to offer pet insurance, which is a part of why it is so popular.

With that said, one of the biggest questions people ask about pet insurance is the price. This varies based on many different variables, such as where you live. However, we can give you an estimate of how much Trupanion pet insurance usually costs.


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The Importance of Pet Insurance

Vet bills are getting increasingly expensive, so more people are looking for help paying emergency vet bills. This is where pet insurance comes in. For a monthly premium, pet insurance companies like Trupanion will pay a percentage of vet expenses for unforeseen illnesses and accidents.

While this insurance won’t cover all of your vet bills, it does help pay a very sizeable portion of them. Therefore, they are a great option for those that don’t want costs to get in the way of their pet getting treatment.

No one wants to pick a treatment plan just because it is cheaper. Pet insurance helps ensure that price isn’t the elephant in the room when you take your dog to the vet.

How Much Does Trupanion Pet Insurance Cost?

Trupanion pet insurance takes many different factors into account when deciding how much your pet’s insurance will cost. The most important factors are the plan variables you select (such as the deductible, reimbursement rate, etc.), the type of pet you have, and where you live.

Geography is very important, as vet bills cost more in certain places. This company knows that, so they will charge more in areas with higher vet bills.

On average, we found that Trupanion costs around $70. Of course, this is a very rough estimate. Your type of pet and several other factors will be taken into account. The only way to know exactly how much you’ll pay is to get a quote from their website.

However, we did run a few scenarios to help you get an idea of how much Trupanion may cost:

Yellow Lab

1 Year

Unlimited Coverage

$250 Deductible

90% Reimbursement

Cost: $29.84 per month
English Bull Dog

5 years

Unlimited Coverage

$100 Deductible

90% Reimbursement

Cost: $32.15 per month

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Additional Costs to Anticipate

Pet insurance does not pay 100% of your vet bills. Instead, there are two other ways that you will pay on top of your premium. The first of these ways is your deductible. Your deductible is the amount of money you must pay before your insurance kicks in. Often, this ranges from $500 to $1,000.

Usually, you can adjust your deductible to meet your needs. However, if you lower your deductible, you can expect your monthly payment to go up. Therefore, you have to be rather careful with lowering it too much.

The next way you’ll pay vet bills is through reimbursement. Trupanion won’t typically pay for the whole vet bill. Instead, they will reimburse you for a percentage of the vet bill. Therefore, you’ll need to pay for the other percentage. Typically, this percentage is set pretty high, around 80%. However, you can adjust this metric too.

Remember, the higher the deductible, the more you can expect your monthly premium to be.

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What Does Trupanion Not Cover?

Trupanion doesn’t cover everything. This insurance plan is only for accidents and illnesses. Therefore, you can still expect to pay for other vet procedures—just not those that are unforeseen or unexpected. For instance, Trupanion does not cover any preventative care. This includes vaccinations, spay/neuter surgeries, and routine testing.

Furthermore, Trupanion won’t cover anything counted as “cosmetic.” If your dog has a condition that isn’t life-threatening or seriously affecting its way of life, then Trupanion may see the treatment as cosmetic and not necessary.

The company doesn’t cover exam costs, including those procured when you take your dog to the vet for an accident or illness. The insurance will cover treatments and tests during the exam, but if the vet charges an exam cost, the insurance will not cover it. Of course, they don’t cover wellness exams, either.

Like most insurance companies, Trupanion does not cover preexisting conditions. If your dog developed an issue before you purchased an insurance plan, Trupanion will not cover that particular issue. However, you can still get coverage for other problems.

How Does Trupanion Determine Premiums?

Trupanion determines premiums similarly to other insurance companies. Firstly, they’ll consider your pet’s type and breed. Cats are usually less expensive than dogs, as their vet bills tend to be lower. Larger dogs usually cost more, as their vet bills tend to be the highest.

Gender may also play a factor. However, this will likely be minor compared to other variables.

The age of your pet at enrollment is also considered. However, your premium won’t increase due to your pet’s aging in the future. Only your pet’s age when they enroll is taken into account. Therefore, you can save money by enrolling your pet when they are young.

Your region is also used to determine premium costs. Areas with more expensive vet prices will have more expensive premiums, too. Therefore, plan to pay more if you live in a city or an area with a very high cost of living.

Find The Best Insurance Companies in 2024

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Trupanion is a highly rated company that offers pet insurance to cats and dogs. On the outside, they don’t differ much from other pet insurance companies out there. They offer similar coverage and have a similar price. However, there are small differences between this company and others that can make a huge difference.

For instance, Trupanion never makes your monthly premiums increase due to your pet’s aging. While they may increase due to other factors (like a move), your pet’s aging won’t be one of them. This may help you save lots of money on your premiums.


Featured Photo Credit: New Africa, Shutterstock

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