Trupanion award-winning pet insurance

Close-up of family and dog with pet insurance walking through a field of flowers.

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. 

We were so impressed with Trupanion’s policy that we awarded the company a 2021 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.

“When assessing pet insurance policies for the Exceptional Quality awards, our team of dedicated analysts look for flexible plans with a generous number of benefits,” Expert Judge Peter Marshall said. 

“Trupanion met the required criteria and ticked all of the boxes for our assessment of the best quality pet insurance in Australia.” 

About Trupanion

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.”

Trupanion’s award-winning pet insurance*

To keep things simple, Trupanion offers one pet insurance plan. It can be taken out for your pawfect pupper or cutesy kitty. Cover includes:

  • 90% coverage for new injuries and illnesses, after you meet your excess (which can be set at $0 or up to $1,000) with no annual or sub-limits
  • Dental illness and injury (your pet’s teeth must be seen to at least once every 12 months)
  • Diagnostic tests
  • Surgeries
  • Hospital stays
  • Medications
  • Prosthetic devices

Unlike other pet insurance companies, Trupanian’s premiums don’t increase the older your pet gets. Their ‘Price Promise’ claims that your pet insurance cover will not be affected at renewal based on your pet having another birthday. However, they do state that premiums may increase annually to reflect the average annual increase in vet costs and utilisation.

Another unusual and generous feature with Trupanian is that there are no annual or specific sub-limits applied to the policy or claims payouts. This means that, as long as it’s an eligible claim, Trupanian will cover 90% of any costs to treat your pet.

With other insurance companies, you’ll find this is often capped at a certain amount each year or in relation to certain conditions or injuries, so Trupanian’s offer could be very helpful for accident-prone pets or those struggling with their health.

Another thing to be mindful of is that as with most insurance policies, there are waiting periods. The waiting period after you take out a policy for injuries is five days and the waiting period for illnesses is thirty days. Finally, as with any type of cover, always make sure you read through the PDS thoroughly, before signing on the dotted line. You can find the Trupanion Product Disclosure Statement on their website.

And don’t forget there are also policy exclusions, as you’ll find with all insurance coverage. Among others, Trupanian’s main exclusions are for desexing, exam fees, routine and preventative care, and pre-existing conditions, illnesses or injuries that were observable within the relevant insurance waiting periods by you or your veterinarian before taking out the policy.

Read through our ultimate guide to pet insurance in 2021 for more general information on pet insurance, including answers to the most frequently asked pet insurance questions.

What are the Mozo Experts Choice Awards?

If this is the first time you’ve stumbled across them, the Mozo Experts Choice Awards are a set of awards designed to highlight market-leading financial products. These awards are conducted by Mozo’s team of data experts and have been going strong for eight years. They cover everything from home loans to credit cards and of course pet insurance, and seek out the highest quality and greatest value products. 

For the Exceptional Value awards, our judges look for policies offering the most extensive cover at the most affordable price point. When assessing the winners for the Exceptional Quality Pet Insurance awards, our team looked at plans that offered flexibility and a generous number of benefits. These awards look at the quality of the pet insurance plan and do not take price into account.

Some of the benefits we look for with the Quality awards include a high annual benefit, dental cover, hip surgery and replacement, and the ability to vary your excess.

Check out our Mozo Experts Choice Pet Insurance Awards methodology report for more details on how the awards are judged.

*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.

^See information about the Mozo Experts Choice Pet Insurance Awards