As with all pet insurance companies, Trupanion bases its premium quotes on your pet’s species, breed, and age, as well as your location. Smaller, younger pets with few hereditary or congenital health risks have the lowest monthly premiums.
Trupanion is unique in a few ways, though. First, the company claims its monthly premiums only increase to match inflation in the veterinary industry, whereas other companies raise premiums per year based on your pet’s age.
Second, Trupanion is just one of three pet insurance companies with a direct-to-vet payment option. This means you don’t need to have thousands of dollars on hand to pay the vet out of pocket and then wait for reimbursement. All you need to budget for are the monthly premiums, your deductible, and 10% of eligible vet bills.
Finally, Trupanion’s deductible applies to each diagnosed condition, whereas annual deductibles are more common among other pet insurance companies. This is a beneficial perk for younger pets at risk of chronic conditions like diabetes.
We used California zip code 90011 to obtain the quotes below. When asked whether the pet was spayed or neutered, we chose no.