What the plan covers
Accidents, illnesses, hereditary and congenital conditions, diagnostics, surgery, hospitalization, medication and prosthetics are all in scope. Exam fees are an optional rider rather than being included by default, which is worth budgeting for.
How the deductible works
Instead of one annual deductible, Trupanion applies a deductible per condition. Once you have paid it for, say, a torn cruciate ligament, every future claim for that same condition reimburses at 90% for the rest of the pet's life. For chronic conditions this is materially better than an annual reset.
Pricing and value
Expect quotes starting around $30 per month for a young cat and considerably more for a large-breed dog in a high-cost ZIP code. The value case is strongest if you enroll while the pet is young and healthy and keep the policy for life.
Who should skip it
If you mainly want help with routine vaccinations, dental cleanings and flea prevention, Trupanion is the wrong shape of product. Look at Embrace or Fetch instead.