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 »  » Trupanion Pet Insurance
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Overall Rating:
Total Reviews:
9,596
Accident & Illness Coverage:
Included
Wellness Coverage:
Excluded
Average Price Range:
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# Trupanion Pet Insurance
Founded and run by pet lovers, Trupanion is one of the fastest growing pet medical insurance providers in North America. Headquartered in Seattle, Washington, Trupanion is the only pet insurance company that is publicly traded. Trupanion’s superior customer service and nearly $1 billion paid out in claims make it one of the best choices on the market.
## Overall Rating
Read some of the most recent Customer Reviews (below) from real pet parents just like you!
## Coverage
If you’re looking for excellent accident and illness coverage then Trupanion insurance is a great choice. Here is a detailed breakdown of how we evaluate Trupanion coverage.
### Coverage Notes
**Accident and Illness Coverage**
Trupanion offers excellent accident and illness coverage for dogs and cats. The Trupanion policy makes things simple by offering one plan that pays 90% of actual veterinary costs for eligible claims once the deductible for that condition is met with no payout limits. Trupanion is the only provider that can pay their portion of your bills directly to your veterinarian electronically, so you don’t have wait for reimbursement.
\*Terms and Conditions apply. Varies state by state. See policy for details.
### Coverage Highlights
**Additional Coverage Options**
Recovery and Complementary Care Rider
* Acupuncture
* Behavioral Modification
* Chiropractic
* Homeopathy
* Hydrotherapy
* Physical and rehabilitative therapy
Pet Owner Assistance Package
* Advertising and reward
* Boarding fees
* Liability coverage for third-party property damage
* Cremation or burial
* Holiday vacation cancellation costs
### Coverage Details
Trupanion has a wide range of deductibles to choose from, including the option not to have a deductible at all. This means a pet owner can choose from hundreds of price options to pick what works best for their budget. The Trupanion policy also allows you to enroll your pet from birth for true lifelong coverage.
Wellness Care Coverage:
Deductible Options:
$0 - $1,000
Reimbursement Options:
90%
Hereditary Disorders:
Minimum Age for Enrollment:
No Minimum
Maximum Age for Enrollment:
14 Years
Waiting Period Accidents:
5 Days
Waiting Period Illnesses:
30 Days
Waiting Period Orthopdic:
Policy Exclusions:
Listed Below
### Enrollment Requirements
**Trupanion Enrollment Requirements**
You must provide all medical history and records associated with your pet. You also authorize Trupanion to contact any and all veterinary clinics or hospitals in your area to obtain all available medical records that exist for your pet. Trupanion allows pets to enroll from the time of birth to their 14th birthday.
### Cost
Trupanion offers one of the best major medical coverage options in the U.S. Average premium based on $250 deductible, 90% reimbursement, unlimited payouts for 2 year-old mixed breed dog and 3 year-old mixed breed cat, respectively.
Trupanion charges a one-time administration fee of $35.00 at the time of enrollment. \*Administration fee varies state by state.
### Sample Premiums
Dogs
Average for Dogs:
$51 per month
Cats
Average for Cats:
$45 per month
### About Trupanion Pet Insurance
The Trupanion policy covers surgeries, diagnostic tests, medications, treatments, and hospital stays if your pet gets sick or injured. For the veterinary treatment your pet may need, Trupanion will pay 90% of the eligible bill with no payout limits. Trupanion can pay your pet’s veterinary bills electronically directly to participating hospitals. All you have to do is pay your portion of the bill at checkout and Trupanion takes care of the rest.
Company:
Policy Options:
Service:
### Company Profile
Trupanion was founded in Trupanion was founded by current CEO Darryl Rawlings as Vetinsurance in Canada in 1999. In 2005 the company re-branded to Trupanion and began selling plans in the U.S. Trupanion is a founding member of the North American Pet Health Insurance Association (NAPHIA).
Headquarters:
Seattle, Washington
Year Founded:
1999
Leadership:
Darryl Rawlings
### Policy Exclusions
**A. WAITING PERIODS:**
I. Illnesses that occur or reoccur within the 30 days following the Policy Enrollment Date are deemed pre-existing Conditions and not eligible for coverage.
II. Injuries that occur within the 5 days following the Policy Enrollment Date are deemed pre-existing Conditions and not eligible for coverage.
**B. PRE-EXISTING CONDITIONS:**
I. Illnesses or Injuries for which signs or evidence of their potential manifestation existed within the 18 months prior to the Policy Enrollment Date.
II. Illnesses or Injuries masked or controlled by treatment or Medication at any time during the 18 months prior to the Policy Enrollment Date.
III. Illnesses or Injuries that occurred or began within the 18 months prior to the Policy Enrollment Date and would have been observable or reasonably known to be present by You or Your Veterinarian or that are evidenced by the presence of typical signs, even if they are not noted in Your Pet’s medical records.
IV. The Actual Cost of Treatment for the following if signs or evidence presented on either side of Your Pet during the period 18 months prior to the Policy Enrollment Date through to and including the 30 days after the Policy Enrollment Date: luxating patella, glaucoma, entropion, ectropion, elbow dysplasia, cataracts, prolapse of the tear gland of the third eyelid (cherry eye), and disease, weakness, instability, tear, partial tear or rupture of the cranial cruciate ligament.
V. Hip dysplasia if there was any sign or evidence of the potential manifestation of the Condition any time prior to the Policy Enrollment Date or if the Condition was reasonably known to be present by You, even if not noted in Your Pet’s medical records.
VI. Illnesses or Injuries that arise from a repetitive and specific activity that leads to medical or surgical treatment of Your Pet (e.g., ingestion of foreign materials and bite wounds) if the same or similar activity occurred two times within the 18 month period prior to the Policy Enrollment Date.
VII. The Actual Cost of Treatment for any cutaneous or subcutaneous mass if cutaneous or subcutaneous mass(es) of the same type (determined by diagnostic testing or medical records descriptions) are present during the 18 months prior to the Policy Enrollment Date through to and including the 30 days after the Policy Enrollment Date.
VIII. The Actual Cost of Treatment relating to intervertebral disc disease if there was any sign or evidence of the potential manifestation of it in any part of the spine prior to the Policy Enrollment Date or during any applicable waiting periods.
**C. OTHER EXCLUSIONS:**
We do not cover at any time or for any reason the costs, fees, or expenses associated with:
I. Examinations;
II. Administrative charges and Taxes;
III. Processing of insurance claims and transmission of medical records;
IV. Preventive care; Injuries due to any intentional act that involves You, or a member of Your household;
VI. Breeding, Illnesses or Injuries related to breeding, whelping, and queening unless You add the Breeding Rider to Your policy;
VII. Elective, cosmetic, or preventive procedures, including, but not limited to: tail docking, ear cropping, declawing, dew claw removal, and microchip implantation;
VIII. Vaccinations, titer tests, flea control, tick control, heartworm Medication, and deworming;
IX. Boarding, medical boarding or transport expenses;
X. Complications or sequelae to Illnesses, Injuries, procedures, diagnostic tests, treatments and/or Medications excluded or restricted by this policy;
XI. Anal gland expression;
XII. Bedding, housing, crates, cages, ramps, feeding bowls / platforms, feeding, exercise, non-prescribed special diets, raw food diets, Pet foods, routine or preventive supplements (unless covered under section 8.C.), bathing, non-medicated shampoo, grooming, nail trims, ear cleaning, ear irrigation, toys, clothes, leashes, collars, and treats;
XIII. Any Illness or Injury resulting from activities related to training for or participating in racing, including track or sled racing;
XIV. Spaying or neutering at any time or for any reason unless recommended by Your Veterinarian following an Illness or Injury that involves damage to the reproductive organs;
XV. Parasite control, including, but not limited to: internal or external parasites;
XVI. Cremation and burial;
XVII. Optional coverage not selected;
XVIII. Any claim for loss that arises from a nuclear reaction, radiation, radioactive contamination, or the discharge of a nuclear device or a chemical, biological, biochemical, or electromagnetic weapon, device, agent, or material, whether controlled or uncontrolled, accidental or otherwise; or
XIX. Any claim for loss that arises from war, invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolution, insurrection, strikes, riots, or civil commotion.
*Note: List of exclusions pulled from Sample California policy TRU 00001 (v09.201601)*
## Compare Trupanion
Check out these handy, side-by-side comparison charts to see how Trupanion stacks up to the competition!
**Featured**
© 2025 Pet Insurance Quotes LLC, All Rights Reserved.
 »  » 24PetWatch Pet Insurance Programs
# 24PetWatch Pet Insurance Programs
## Introduction
24PetWatch Pet Insurance is headquartered in Ontario, Canada but offers plans throughout the United States. 24PetWatch is a brand of the PetHealth, Inc. company, which is a subsidiary of Fairfax Financial. 24PetWatch’s plans are underwritten by Crum & Forster Pet Insurance Group.
## Business Overview
24PetWatch operates to primary lines of business. First, is their pet health insurance plan, which is similar to most offerings in the market. It covers accidents and illnesses with optional wellness coverage. Interestingly, 24PetWatch’s second business, pet protection services may be more familiar to pet parents because it’s a leading  product used by thousands of veterinarians across North America.
## 24PetWatch Insurance Coverage
Like a traditional pet insurance provider, 24PetWatch covers any unexpected veterinary expenses related to accidents and illnesses. Here is a more comprehensive list of procedures covered.
* Accidents & Illnesses
* Hereditary & Congenital Conditions
* Exam & Diagnostic Fees
* Lab Tests, X-rays, Ultrasounds
* Hospitalization & Surgeries
* Ambulance & Paramedical Services
* Physical & Rehabilitative Therapies
* Alternative Treatments
* Medications
* Optional wellness coverage
## How Much Does it Cost?
The price you will pay depends on your pet’s breed, age and where you live. The nice thing is that 24PetWatch offers four different plans (Extra, Classic, Super and Champion) so you can adjust the  and select the coverage that fits your needs. As a reference, the average pet insurance plan costs $44/month and 24PetWatch is generally within that range.
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## Compare Plans and Prices from the Top Companies
 »  » AKC Pet Insurance
# AKC Pet Insurance
## Did you know?
AKC Pet Insurance is headquartered in Raleigh, North Carolina.
**Standard Coverage**
AKC Pet Insurance offers two  plans. Both plans are limited because they exclude potential health issues such as luxating patella, cruciate ligaments, exam fees and congenital conditions. You can add an Exam Care endorsement and Inherited Plus plan to add congenital conditions coverage for an extra charge (details below).
**Wellness Coverage**
And much like most pet insurance companies, AKC offers  for an additional charge.
**ExamCare**
For $6.58/mo. this endorsement provides coverage for the cost of exam fees to treat or diagnose a current covered illness or injury. This extended coverage does not provide coverage for annual wellness office visits because that is included in the wellness plans.
**InheritedPlus**
This endorsement provides coverage for congenital conditions for an additional charge.
**Accident Only**
Pets of any age can enroll in AKC’s accident only plan but these plans only cover veterinary care for accidents, not illnesses.
## Cost
The average cost for an AKC Pet Insurance plan is between $25-55/month. Prices depend on your pet’s breed, age and the zip code you live in. You can also adjust your coverage options to meet your monthly budget goals.
Note: Costs vary by age, breed and zip code
## Policy Exclusions
a. Illness regardless of cause – covered under CompanionPlus base plan.
b. Veterinary exams, unless you purchase our ExamCare endorsement.
c. Inherited and congenital conditions – covered under InheritedPlus endorsement.
d. Pre-existing conditions.
e. Treatment for cruciate ligament related conditions. This includes any associated meniscal injury or another condition secondary to cruciate ligament injury, tear or rupture.
f. Treatments or diagnosis of an injury, or service excluded by the policy as well as secondary complications from such excluded injury, or service.
g. Intentional, neglectful, or preventable acts, caused by you or a member of your household, that result in injury to your pet(s).
h. Elective, cosmetic, grooming, bathing and nail clipping, necropsy.
i. Fees to diagnose or treat any injury related to breeding, pregnancy, whelping, and nursing.
j. The cost to spay or neuter your pet(s) regardless of the reason – covered under DefenderPlus endorsement.
k. Preventive care including but not limited to wellness exams, flea control, worm medication, vaccinations and dental care – wellness exams, vaccinations and teeth cleaning covered by DefenderPlus endorsement.
l. All diets, pet(s) food, vitamins and nutritional supplements, whether prescribed or not. PetPartners, Inc. PO Box 37940 Raleigh, NC 27627-7940 PPI-CSELECT-TC-004 (04/2014) Underwritten by American Pet Insurance Company Page 2
m. Alternative treatments including but not limited to holistic, acupuncture, chiropractic, herbal and homeopathic. (Laser therapy, hydro-therapy and physical therapy are not considered alternative treatments and therefore covered expenses).
n. Any diagnostics or treatment associated with anal glands.
o. More than one injury per coverage period arising from a repetitive and specific activity or similar activity that has previously occurred and displayed the propensity for this activity to happen again and cause injury to your pet(s). (Examples include but are not limited to: foreign body ingestion, dog fights, and toxin ingestion)
p. Diagnostics or treatment for internal or external parasites including but not limited to fleas, heartworms, and roundworms.
q. Injuries caused by your pet(s) being attacked or attacking another pet(s) in your household.
r. Experimental, investigational treatment, organ and tissue transplants, or prosthesis.
s. Sales tax, medical waste, veterinary administrative, shipping and postage fees.
t. House calls, travel time, boarding and/or transportation.
u. Treatment or diagnostics related to behavior.
v. Any conditions related to teeth including but not limited to gingivitis, periodontal disease, root canals, caps and crowns, vital pulpotomies, deciduous teeth, diseased or abscessed teeth (except medically necessary extractions for permanent broken teeth due to an accident).
w. Conditions resulting from activities related to training or participating in track or sled racing, guard security, working, or organized fighting.
x. Injury caused directly or indirectly by: a) enemy attack by armed forces, with or without a state of war, including actions taken in resisting the attack; b) insurrection; c) rebellion; d) revolution; e) invasion; f) civil war; g) illegal acts; h) usurped power; i) nuclear radioactive contamination; j) pandemic conditions.
y. The cost of treatment or diagnostics for bilateral conditions presenting on one side of the body, if that condition was a pre-existing condition on the other side of the body.
z. Luxating Patella
**Related Companies**
 »  » Bivvy Pet Insurance
visit bivvy: 
# Bivvy Pet Insurance
Bivvy is one of the newest pet insurance providers in the U.S. Unlike traditional providers that rate pets based on your pets age, breed and where you live, Bivvy Pet Insurance offers one plan that is a flat $10/month for any breed or age pet. So if you’re looking for an economic alternative with lower annual limits then Bivvy might be a good fit for you.
*Note: Bivvy is currently not available in all states.*
## Reviews
Bivvy is not available in all states yet but the company has already gained positive traction collecting 138  with a 4.8 / 5.0 average rating!
Bivvy offers one plan that costs $10/month regardless of your pet’s breed or age.
## Bivvy Plan Options
Bivvy has a one-plan-fits-all policy that is simple to understand. It’s also important to note that they have a 14-day waiting period for accidents and illnesses and orthopedic conditions for dogs have a 12-month waiting period.
* $10 Monthly Premium
* $1,000 Annual Payout
* 75% Reimbursement
* $0 Deductible
## What Does Bivvy Cover?
Like a traditional pet insurance provider, Bivvy covers any unexpected veterinary expenses related to accidents and illnesses. Here is a more comprehensive list of procedures covered.
* Illness
* Accidents
* Hereditary Conditions
* Congenital Conditions
* Chronic Conditions
* Cancer
* Diagnostic Treatment
* X Rays and Ultrasounds
* Blood Tests
* Surgery
* Hospitalization
* Prescription Medications
* Emergency Care
* Orthodontic Treatment
## Coverage Exclusions
* Pre-Existing Conditions
* Preventative or Routine Help
* Vaccinations
* Spay/Neuter Procedures
* Cosmetic Surgery
* Grooming
* Boarding
* Air Ambulances
* Non-Emergency Ground Ambulances
* Cloning or Utilizing Cloned Animals in Treatment