PetCo Pet Insurance (Trupanion Pet Insurance)


Trupanion Veterinarian Approved Pet Insurance!

Known for over 10 years as Vetinsurance in Canada, Trupanion pet insurance is now available in the US. Highly recommended by PetCo, they are also known as PetCo Pet Insurance.

Trupanion offers complete pet health insurance coverage for unexpected accidents or illnesses. Diagnostic tests, medications and surgeries up to $20,000 are covered for hereditary and congenital disorders.

No Fee Guide

Many insurance companies reimburse costs based on fee schedules. Not so with Trupanion. There are no incident or annual caps. Nor is your payout reduced with complicated and restrictive fee guides. Petco Pet Insurance covers 90 percent of the vet bill.

No Surprises

While some pet insurance companies may raise your premiums for submitting clams, Trupanion will not penalize you. Approximately 8% of Petco Pet Insurance owners file a claim each month. Most of these are multiple claims for illnesses which require ongoing treatment. You will not be surprised with higher premiums if your animal requires multiple costs for care.

This is especially comforting to know as your pet ages and may experience illness. As your pet becomes older, your premiums will remain stable. Your rates will not increase due to your pet's increasing age.

Premiums are set by the breed and age of your pet at the time of enrollment and reflect the local cost of veterinary care.

Fast Processing

In a recent survey of 10,000 repeat claims, 9 out of 10 were processed and paid in less than 24 hours. The industry standard is 3-4 weeks.

Policy Options

Their free quote area contains a slider where you can see how your deductible will affect your monthly premium. In my area, for a 2 year old German Shepherd, the monthly premium is:

  • $0 Deductible - $38.52
  • $500 Deductible - $27.39
  • $1,000 Deductible - $19.01

Coverage includes:

  • Chronic or recurring conditions
  • Congenital disorders
  • Diagnostic tests
  • Hereditary disorders
  • Medications
  • Surgeries
Not covered:
  • Pre-existing conditions
  • Routine care
  • Veterinary exam fees

If you enroll your pet before their first birthday, hip dysplasia coverage can be added up to 30 days after the policy effective date.


  • You can use your vet, including emergency and referral specialists.
  • Does not automatically exclude hereditary and congenital disorder as pre-existing.
  • 90% of your vet bill is covered - No annual caps.
  • Typically approves and pays claims in less than 7 days.
  • Pet ID Tag with policy number is included.


  • Lifetime Limit of $20,000 for meds, surgeries and tests for sickness or injuries.
  • If you have a working dog, activities related to breeding, guarding, hunting, law enforcement or racing are not covered.
  • Hip Dysplasia is only covered if your dog is under one year at enrollment.

The Bottom Line

Your pet is covered when using any licensed veterinarian, including referral specialists and emergency clinics. For the best price, PetCo Pet Insurance encourages enrolling your pet under one year. But the premiums and benefits are still excellent even if you miss that cutoff.

Fast reimbursement for 90 percent of the vet bill makes Trupanion a great choice.

Trupanion Pet Insurance
1148 NW Leary Way
Seattle, WA 98107
Free Pet Insurance Quotes


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The information and products recommended by german-shepherd-lore.com are not intended to take the place of expert veterinarian care. Please consult with your vet and ask about using a natural and alternative approach for the healthcare and treatment of your pet. Find a holistic vet.

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