Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,951

Pets can be full of surprises-so their insurance coverage shouldn’t be. That’s why Trupanion is dedicated to helping pets we love get the care they need. They’ve been around for more than 20 years, making them experts and setting standards for the industry. One perk of this, and what they pride themselves on, is the amount they pay out to pet owners for each claim. Paying out more on the dollar than any other pet insurance provider. To date they have paid out $2 Billion in claims and have insured nearly 1 million pets. Trupanion pets lead longer happier lives.1 Pets insured with Trupanion lived longer than pets without Trupanion because pet parents didn’t have to worry about the cost of the care their pet needed. Depending on the plan Trupanion covers up to 90% of eligible expenses, has unlimited payouts-always, and can pay your vet bill, within seconds, at time of checkout, so all you pay is your portion (anything not covered by Trupanion). They have transformed the way pet insurance handles claims by eliminating the reimbursement process. To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month. 1 Based on a November 2020 internal study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy. * Terms and Conditions apply. Policy details vary by state, please review your states policy for full coverage details. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay. Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Administered in Canada by Canada Pet Health Insurance Services, Inc. dba trupanion and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Please visit AmericanPetInsurance.com to review all available pet health insurance products. Source: Survey commissioned by dvm360, from April 19-June 9, 2022
1

out of 5

POSTED: | BY: Kasey Slinkard

I would give a zero if I could

I would give a zero if I could. Instead of focusing on the overall rating, I read the reviews and realized there are a lot of people who had similar experiences that I had. I rescued Pepper in November 2025 and enrolled with Trupanion in March 2026. She had parvo before I adopted her. After months of paying premiums I submitted two claims totaling $379.63 for acute diarrhea and conjunctivitis. Both were denied as pre-existing conditions. I appealed twice, including submitting a formal letter from my veterinarian who specifically stated that diagnostic testing showed NO evidence of permanent intestinal damage from parvo and that the conjunctivitis cause was unspecified. Both appeals were denied. I received zero coverage after paying $190 in premiums. Trupanion is not appropriate for rescue dogs with any medical history. Save your money and go with Fetch instead — they actually built their insurance specifically for rescue pets. I can’t reply to them below. But I did dispute the denial of the claim. And they still said it was a past issue even though it was not. My dog all of a sudden was showing signs of diarrhea and vomiting so I brought her to the vet and they said that was a pre-existing condition because she had loose stools when I got her as a puppy. Which is completely different than what I brought her in for.
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1

out of 5

POSTED: | BY: Tim Cooley

Highly deceptive marketing

Highly deceptive marketing. They claim to reimburse 90%. That is a lie I got back a little over $500, from an almost $1400 injury. I will be looking for better insurance for my dog. Probably Lemonade, once I do some research on the company. I will NOT be keeping this bullshit "insurance"...
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5

out of 5

POSTED: | BY: Dr. Everett

Worth every penny

We have had Trupanion since both my dogs were puppies (8 and 7 years old now). Trupanion does not cover wellness and some other stuff, but they have allowed us to make sure our dogs get the care they need without worrying about how to pay for more than our deductible. As they have gotten older our premiums have increased, but we have continued paying the premiums as Trupanion has come through every time. They charge the deductible per condition, but after that has been met you only pay coinsurance and taxes. Twice now Trupanion has paid out more in claims for us than we would have saved just putting away the premiums alone. Several of the vets we have worked with also work directly with Trupanion, so there have been instances where because our vet filed claims for us in the past, we had already met our deductible for a condition when the big bills started to roll in. We cannot recommend them enough.
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2

out of 5

POSTED: | BY: PAM

First off this is a good insurance if…

First off this is a good insurance if you have a deep pocketbook. Almost every year the rates go up. This year was $26.00 a month increase. Now I pay $106.00 a month for one dog. Once you submit a claim and your dog has a medical problem you can’t switch insurances as it will be a pre-existing condition. They have you locked in and there seems to be no control how much they increase your rate. I advise you to read lots of reviews and shop around. I chose another pet insurance for the dog we adopted after this one.
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5

out of 5

POSTED: | BY: nicole brown

Great insurance for my fur baby!

Great insurance for my fur baby!! A very easy and smooth process to put claims through. It takes only a few minutes to process and my vet submits the claim.
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Monthly Cost

Your monthly premium is determined by multiple factors including your pet’s species, gender, breed, age, zip code, and the deductible amount you choose if your policy allows.

Coverage

Depending on your plan, the Trupanion policy pays up to 100% of your vet bill for all eligible expenses. There are unlimited payout limits, always and Trupanion will never increase or cancel your coverage because of claims you submit. Coverage includes new accidents and illnesses, hereditary, congenital, and chronic conditions, diagnostic tests, hospital stays, and much more. Trupanion prides itself on paying out more on the dollar than any other provider and has paid out nearly $2 billion in claims to date.

Payout Limits

The Trupanion policy* has no payout limits, so whether your pet needs one quick visit or a lifetime of care, your coverage won’t quit. That can mean a big difference if your pet develops a chronic condition requiring extended care like allergies, diabetes, or even cancer.

Deductible

If your Trupanion policy has a deductible, you can customize it to fit your budget. You can choose from $50 to $1,000 in increments of $5, or choose to have no deductible at all. Trupanion deductibles are per-condition and good for the life of your pet. That means no annual resets-once a deductible is met, you never have to pay the deductible for that condition again.

Age Limits

All new pets can enroll from birth until their 14th birthday. Once your pet is enrolled, they can be enrolled for life

Waiting Period

Waiting periods vary by state. Please see your states policy for full coverage details. However, other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.

Exclusions

Trupanion was developed to protect you and your pet from unexpected illnesses and injuries. That means we don’t cover “predictable” care costs that you can plan ahead for, like: Examination fees Wellness and preventive care Elective, or cosmetic procedures Sales tax, where applicable Like many other pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early! * Terms and Conditions apply. Coverage may vary by state. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay. Underwritten in Canada by Omega General Insurance Company and GPIC Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Please visit AmericanPetInsurance.com to review all available pet health insurance products.
Trupanion Pet Insurance detail
Trupanion was founded in 2000 with the goal to help pet owners plan for the unexpected and take the cost out of the care equation. They believe that the pets—and the veterinary professionals who help them—deserve better. That’s why Trupanion is a proud member of the North American Pet Health Insurance Association. We’re committed to sharing industry data, supporting animal welfare organizations, and working with federal and state regulators to help more pets get better care. Our members know we’re ahead of the pack, because there’s pet insurance—then there’s Trupanion: 24/7/365 Member Support—yes, even on holidays 20+ years of experience Nearly $2 Billion paid in claims Over 800,000 pets protected Unlimited Payouts The only provider that can pay your veterinarian directly at checkout* Accepted everywhere in the USA, Canada, Puerto Rico, and Australia * At participating hospitals
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