Trupanion award-winning pet insurance

In an ideal world, our furry little buddies would be in the best of health all the time. We would never have to worry about them getting sick or face an enormous vet bill. 

Sadly though, our beloved pets can get sick and injured. This is where Trupanion comes in. Trupanion is a pet insurance provider with two decades of experience providing cover for pet owners. It offers both cat insurance and dog insurance. 

The Mozo judges were so impressed with Trupanion’s pet insurance policy that we awarded them a 2022 Mozo Experts Choice Award for Pet Insurance^. As they did last year, Trupanion has once again taken home a title in the Exceptional Quality Pet Insurance award category.

Although Trupanion only launched in Australia in 2019, it has been providing insurance for pet pooches and kitties in the US and Canada for 20 years.

In Australia, Trupanion is managed by Dr Stephen Rose. After being a vet for 18 years, Rose knows just how useful pet insurance can be. Rose said, “I wish Trupanion was around when I was working full-time as a vet.”

For the Mozo Experts Choice Awards^ in 2022, Trupanion took out an award for Exceptional Quality Pet Insurance. 

The Mozo judges considered how 131 policies from 32 insurance companies fared when scored for 14 factors we believe are the most important to consumers. If you’re interested in the specifics of the 2022 Mozo Experts Choice Awards criteria, including the 14 factors which the policies were measured against, check out the methodology report here. 

So, let’s take a look at what Trupanion's award-winning pet insurance policies have to offer. 

Trupanion Pet Insurance* 

Trupanion offers one comprehensive policy with no annual benefit limit, cover for up to 90% of eligible vet bills, plus a flexible choice of excess between $0 to $1,000.

Features worth noting with Trupanion’s pet insurance policy include:

• No annual benefit limit or sub-limits
• Up to 90% back on eligible vet bills (T&Cs apply) 
• Flexible choice of excess (ranging from $0 to $1,000)   
• Accidental injury cover
• Illness cover
• Diagnostic tests
• Medications
• Surgeries
• Prosthetic devices
• Orthotic devices
• Carts
• Herbal therapy
• Supplements
• Hospital stays.

Note, Trupanion’s pet insurance policy does not cover examination or consultation fees, desexing, pre-existing conditions, or preventative care. 

Keep in mind, reading the product disclosure statement (PDS) of your policy before purchasing it is the best way to understand if a policy meets your needs. You’ll also gain a deeper understanding of the benefit limits, sub-limits, inclusions, and exclusions of a policy. The relevant PDS and Target Market Determination (TMD) can be found on the provider’s website.

For many Australians, picking financial products that suit your needs can be a time-consuming process – and not always easy. That’s why the Mozo Experts Choice Awards^ exist. 

Every year, our Mozo experts dive head-first into the ocean of insurance, loan, mobile, broadband, and banking products to fish out some of the best of the best financial products available in our database. 

With this year’s Pet Insurance awards, the focus was on showcasing exceptional value and exceptional quality across a range of 131 policies from 32 insurance providers, of which 21 awards were bestowed across our 10 winners. If you’d like to find out more about the other winners or our judging process, check out our methodology report at the Mozo Experts Choice Pet Insurance Awards winners page.

*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement on the provider's website for further information before making any decisions about an insurance product.