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Trupanion Pet Insurance review

Comprehensive injury and illness cover for cats and dogs

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Description

Insurer
Trupanion
Policy
Pet Insurance
Underwriter
The Hollard Insurance Company Pty Ltd
Policy type
Comprehensive injury and illness cover
Animals covered
Cats and dogs

Cover summary

Minimum age for new cover
No minimum age
Maximum age for new cover
13 years
Maximum benefit per year
No annual limit
Benefit paid per claim
90% vet bill covered

Excesses

Excess
Choose excess from $0聳$1000

Covered events

Injury
  • Comprehensive cover
  • 5 day waiting period
Illness
  • Comprehensive cover
  • 30 day waiting period
Vet consults
Not covered
Emergency treatment
Covered
Pre-existing conditions
Not covered

Conditions

Allergic reaction
Covered
Brachycephalic Airway Obstruction Syndrome
Covered
Behavioural conditions
  • Optional, bundled with other extras
Cancer
Covered
Cruciate ligament conditions
Covered
Ear conditions
Covered
Eye conditions
Covered
Dental and oral health conditions
  • Covered
  • Cover limited to periodontal disease, periodontitis, gingivitis, tartar, resorptive lesions and stomatitis
  • Does not cover preventative dental care, scale/polish, toothbrushes, toothpastes, dental foods, chews, rinse or open/closed roof planing
  • Covers conditions caused by complications from dental prophy
  • Insurer requires annual dental exam/treatment
Ingestion of a foreign object
Covered
Heart conditions
Covered
Orthopaedic conditions
Covered
Patella luxation
Covered
Joint conditions
Covered
Intervertebral disc disease
Covered
Hereditary conditions
Covered
Pregnancy and obstetrics
Not covered
Illness caused by parasites
  • Covered
  • Cover includes tick paralysis
Skin conditions
Covered
Snakebite
Covered
Vaccinatable Conditions
  • Covered
  • Vaccination required for illnesses you have vaccinated your pet for on the recommendation of your vet

Additional benefits

Routine care
Not covered
Alternative therapies
Optional
Lost animal
  • Optional
  • Up to $500 for local newspaper advertising and rewards
Necessary euthanasia
Covered
Telehealth vet service
Not covered
Legal liability
  • Optional
  • Up to $25000

Claims

Howtoclaim
  • Customer portal
  • Email claim form
  • GapOnly (vet submits on your behalf)
Quickeasyclaims
  • GapOnly
  • Participating vet practices only
  • Available 8am聳10pm AEST (excluding Sundays and NSW public holidays)
Directpayments
1

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