We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
Trupanion is there to help you cope with those situations you can't prepare for. That's why its pet insurance policy covers both illnesses and injuries while dispensing with predictable routine care cover. Not to mention the extremely generous 90% you'll get back on all new illnesses and injuries for life. That's right - there are no annual benefit limits, meaning that your pet can get all the care it needs, when they need it.
Trupanion pet insurance is not currently available via Finder. But don't fret! You can head to their website at www.trupanion.com for more information or compare a bunch of other pet insurance companies with Finder.
Trupanion offers a single policy that covers the following:
Injuries. Like snake bites or broken limbs.
Illnesses. Like cancer, diabetes or hip dysplasia.
It will reimburse you for 90% of eligible treatment costs no matter how high your bills get since there is no benefit limit at all.
Additional benefits
There are a handful of benefits that are automatically included in your policy and a few others that require an additional fee.
Automatically included benefits
Vet direct pay. You can have your claim approved and your invoice paid on the spot if you visit a partner vet or hospital.
Dental cover. You'll be covered for dental illness as you get a dental exam once a year, as long as the illness isn't a pre-existing one that occurred before buying the policy.
Optional benefits
Recovery & Complementary Care. This covers your pet for a range of natural therapies including rehab, acupuncture, chiro, behavioural modification therapy, naturopathy and more.
Pet Owner Assistance Package. This protects you from non-vet expenses related to your pet like boarding fees, lost pet rewards, damage to someone else's property, burial fees and holiday cancellation costs if your pet gets sick or dies.
What isn't covered?
Pre-existing conditions. This is any illness or condition that arose before you took your pet's policy or up to 30 days after taking out your policy. Injuries that occur within five days of taking out your policy are also considered pre-existing conditions and won't be covered.
Illness or injuries due to repetitive behaviour. If your pet engages in repetitive and specific behaviour, like eating fabric or chasing after bees, and this occurs more than once in an 18-month period, it won't be covered.
Hip dysplasia if there was evidence before you took out your policy. Even if the hip dysplasia wasn't specifically a pre-existing condition or noted in the veterinary records, it will be excluded from cover if there was evidence of its potential manifestation before you took out your policy. This also applies to a few other conditions like glaucoma, elbow dysplasia, intervertebral disc disease and cataracts.
Routine and preventative care. This includes desexing, microchipping, vaccinations, flea control, deworming and health exams.
Lack of care. You won't be covered for any illness or injury that's the result of you mistreating your pet or otherwise not caring for them properly.
Commercial uses. You won't be covered for any illness or injury that arises from using your dog for commercial purposes like breeding, racing, pig hunting and guarding. Guide dogs and assistance dogs are exempt from this exclusion.
Unauthorised treatments. You won't be covered if you pursue treatment not recommended by your vet. You also won't be covered for complications that could arise from such treatment.
Treatment outside of Australia. This policy is only valid on treatments your pet receives in Australia. It is void elsewhere.
Unvaccinated pets. If you don't get vaccines recommended by your doctor, you won't be covered for illnesses that could have been prevented by those vaccines.
Why should you consider Trupanion pet insurance?
If you want a no-nonsense policy that offers the most cover you can find in Australia, Trupanion could be for you.
Although it does away with a few supplementary benefits that other brands offer, like routine care and overseas cover, the unlimited benefits mean it protects you from what could really hurt: ongoing and extensive medical expenses due to illness and injury.
It's a policy that's very easy to understand and obviously dedicated to the health of your pet.
Here's what sets it apart from other policies on the market:
It pays 90% of eligible treatment costs. Other insurers pay anywhere from 75–85%.
It has no benefit limit. The most other insurers will pay towards your pet's treatments is $20,000 per year.
The optional extras are unique and helpful. Instead of offering cover for boring and expected expenses like routine care, Trupanion offers extras that aid your pet's recovery through the Recovery & Complementary Care package, and help you avoid further unexpected costs through the Pet Owner Assistance Package.
You can newly insure an older pet. Trupanion offers illness cover for pets up to the age of 14 years, which is very uncommon. Most insurers only offer accident cover for older pets unless they've had consistent cover that has been in place since well before that.
Steps to file a claim with Trupanion
If you visit a vet that's in Trupanion's network, the vet can process your claim and have the invoice paid right there on the spot. However, if you do have to make a claim yourself, there are two easy ways you can do it:
Online
You can claim online by:
Logging in to the online member's portal
Uploading your pet's itemised invoice
Explaining what happened to your pet
Manually
You can do it the old-fashioned way by:
Downloading a claim form online
Scanning or photographing the claim form and your pet's itemised invoice
When you first sign up, you’ll be covered for 12 months. As long as you renew every year after that, you can keep your pet insured for life.
You can insure your pet anytime after it turns 8 weeks old until the age of 14. As long as you keep your policy current, you can insure your pet for the rest of its life. If your pet is over 14 and you haven't purchased a policy, it will be too late to buy cover.
Your policy will cover you for any accident as long as it's a single, specific event that's unpredictable and unintentional. That means it won't cover you if you kick your cat or if your dog consistently provokes a den of snakes leading to repeated injury.
A pre-existing condition is a documented medical condition that occurred prior to you taking out your policy. In some cases, as in hip dysplasia, your pet only has to show premature signs of the condition for it to be considered a pre-existing condition.
Your policy won't cover any illnesses that arise within 30 days of buying your policy and those illnesses will be considered pre-existing. It won't cover any injuries within five days of buying your policy and those injuries and ongoing complications will also be considered pre-existing.
This is a condition that can happen on both sides of the body, for example a cruciate injury. If your pet developed the condition on one side of the body before you bought the policy, many insurers will consider the same problem occurring on the opposite side of the body a pre-existing condition even if it happens years later.
Trupanion has a list of such conditions in its exclusions and this list includes luxating patella, glaucoma, elbow dysplasia, cataracts and several others.
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of banks, insurers and product issuers. We value our editorial independence and follow editorial guidelines.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product or service.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan.
Products marked as 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money here.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.