Trupanion pet insurance ties for third in our 2022 rankings. It covers accidents, illnesses, injuries, and breed-specific medical conditions.

Trupanion, which was founded in 2000, acquired American Pet Insurance Company in 2007, which underwrites its insurance policies.

Aside from dog and cat insurance, Trupanion also offers Recovery and Complementary Care, which covers treatments such as behavioral modification, chiropractic, and acupuncture.

Trupanion provides cat and dog insurance policies that cover accidents and illnesses. Furthermore, its standard plans will address breed-specific and congenital issues.

There are also policy add-ons that are available for breeders of cats and dogs as well as pet owners assistance that can cover various aspects of the business.

It does not cover exotic pets such as birds, reptiles, or small mammals. It also does not cover things like preventative care because it does not have a wellness policy or rider.

Plans offer $0-$1,000 deductibles. In general, the lower the deductible, the higher the monthly premium.

A waiting period is when you can't file claims after a policy begins. Its five-day accident waiting period is among the shortest, but its 30-day illness waiting period is the longest.

Trupanion doesn't limit coverage. Some companies and agencies in our rating have annual or per-condition coverage limits that could limit covered treatment.

The claims process may also be distinct from the other entries in our rating. If your veterinarian has Trupanion's payment software, they can be paid directly.

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