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Trupanion pet insurance review

Trupanion offers one simple pet insurance policy covering 90% of bills and no annual limit – a standout feature in the market.

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Trupanion Pet Insurance

Trupanion covers your pet for both illnesses and injuries. It does not cover predictable routine care cover (such as desexing, vaccinations and dental care).

You'll get back a competitive 90% on any illnesses and injuries your pet has for life. There are no annual benefit limits, so your pet can get all the care it needs at any time.

Trupanion pet insurance is not currently available on Finder. You can head to their website at www.trupanion.com.au for more information or compare more policies in Australia below.

Why compare pet insurance with Finder?

  • You pay the same price as buying directly from the pet insurer.

  • We're not owned by an insurer (unlike other comparison sites).

  • We don't ask for your phone or email.

  • We've reviewed over 35 policies on the market, so you don't have to.

5 key features

  1. Unlimited benefit limit, currently the only one of its kind in Australia.
  2. A single policy that's easy to understand and covers veterinary treatment for all new accidents and illnesses.
  3. Cover includes accident and illness dental care for your pet. Most providers don't automatically include this.
  4. Opt for an excess between $0 to $1000, offering flexibility for your budget.
  5. Trupanion covers congenital & hereditary conditions.

What policies does Trupanion offer?

Trupanion offers a single policy that covers the following:

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

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 or accident if 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.

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, such as routine care, 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 sets no benefit limit. All other insurers policies have limits and/or sublimits, which means cover can run out. 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 allows new policies with full cover to be commenced for pets up to the age of 13, 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.
  • You can insure your pet from birth. Trupanion allows baby pets to be covered from birth, if matched with their new family who have also paid a deposit.

What isn't covered by my insurance?

As with any pet insurance, some events won't be claimable. These are called exclusions. It's best to read Trupanion's policy wording for a full list of restrictions and exclusions.

Here are some general exclusions:

  • Pre-existing conditions. This is any illness or condition that arose before you took out your pet's policy or up to 30 days after taking out your policy. Injuries or accidents that occur within 5 days of taking out your policy are also considered pre-existing conditions and won't be covered.
  • Routine and preventative care. This includes desexing, microchipping, vaccinations, flea control, deworming and exams and consults.
  • 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.
  • Unvaccinated pets. If you don't get vaccines recommended by your vet, you won't be covered for illnesses that could have been prevented by those vaccines. Again, this is a typical exclusion.

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
  • Emailing everything to Claims@Trupanion.com.au

Why you can trust Finder's pet insurance experts

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We're free

You pay the same as buying directly from the pet insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
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Our team of pet insurance experts have researched and rated 25+ policies as part of the Finder Awards. We've produced guides on everything from the best policies to jargon-free explainers.
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We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of pet insurance brands, making it easier for you to find a good deal.
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We're here to help

Since 2016, we've helped 110,000+ people find pet insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

Some final questions you might have

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Why compare pet insurance with Finder?

  • You pay the same price as buying directly from the pet insurer.

  • We're not owned by an insurer (unlike other comparison sites).

  • We don't ask for your phone or email.

  • We've reviewed over 35 policies on the market, so you don't have to.

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