Consumer Reports: Explaining Fees and Limitations - The Trupanion Blog
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Consumer Reports: Explaining Fees and Limitations

Dog Insurance
Consumer Reports reviews pet insurance industry.

This is the second in a series of posts on a recent Consumer Reports review of the pet insurance industry. Click to read the first post in the series.

On Friday, August 13, Consumer Reports released a review of the pet insurance industry, comparing  nine policies from four companies, including Trupanion. While we are pleased with the report and happy that Trupanion mirrors what Consumer Reports is looking for in a preferred plan, there are a couple points we would like to explain.

First, the review mentions Trupanion’s one-time fee of $25 to set up your policy. We want to clarify that this is truly a one-time fee for the life of the policy. It is not a yearly, monthly, or per-claim fee. Regardless of how many pets are on the policy, the $25 administration fee is only paid once.

Second, the review states that Trupanion doesn’t pay for wellness care or exams (this is true – we do not cover wellness care, including dental cleanings, or exam fees), and it imposes other limitations, but it leaves those limitations vague. In order to be completely transparent, we want to lay it all out on the table. Coverage for hip dysplasia is one of those limitations, as we do not cover this condition unless a policyholder purchases ‘hip dysplasia coverage’ prior to their pet turning one year old. The only other limitations we impose are pre-existing conditions, which is standard across the industry. Most plans will exclude hereditary and congenital disorders as well, but Trupanion will cover these conditions as long as they are not found to be pre-existing.

Read the full review and let us know if there are additional points you would like explained.

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