Trupanion insured pets lead longer, happier lives*.

The Trupanion policy provides best-in-class medical insurance coverage for your pet that can be used at any veterinary hospital in the United States, Canada, and Puerto Rico – ensuring your pet is protected wherever you may be.

Trupanion is the only provider than can pay your veterinarian directly at the time of checkout. This benefit helps you from having to fill out extensive claims paperwork or wait to be reimbursed.
A Trupanion Pet insurance policy has unlimited payouts on claims. They do not increase rates for filing claims. While some providers may drop coverage when a certain number of claims are filed, Trupanion never will.

The Trupanion policy does not increase rates just because your pet ages and their policy allows you to enroll your pet from birth for true lifelong coverage for your pet.

 

*‘Based on a December, 2020 Trupanion study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy.

Trupanion is a registered trademark owned by Trupanion, Inc.  Underwritten in the United States by American Pet Insurance Company and in Canada by Omega General Insurance Company.

 

Average customer rating

9.4 Out of 10
60 Days 1 Year Lifetime
Rating 9.6 9.6 9.4
Count 686 5384 19412
10
Out of 10
Recommended

Fantastic company

Posted: 09/09/2021
By:
Karen
Young

Fantastic company, such ease with direct billing. Never had any problems with claims. Thanks Trupanion

Injury/illness
Claim Amount
Breed

French Bulldog

Age of Pet
Under a year
10
Out of 10
Recommended

Fast approval! No hassles. Very happy.

Posted: 09/07/2021
By:
Derek
Middlemiss

Our Boston started limping. Took her to the vet for x rays and an exam. Found she needed surgery for her patellas and a femur osteotomy. The vet put in a pre approval and a claim for that day. Claim went through fast and we were refunded 90% what we paid the vet minus the exam fee and the deductible just as stated by trupanion.
Surgery was done a few days ago and was more involved then the vet figured, required the tplo also. All was covered and within a few days trupanion has paid the vet 90% of the before tax bill (deductible was already paid for at the first visit)
Trupanion sticks to their word. Once your deductible is paid, rest assured they will pay for 90% before taxes and not try to weasel out!
THANK YOU TRUPANION!

Injury/illness
Claim Amount
Breed

Boston Terrier

Age of Pet
1 - 8
10
Out of 10
Recommended
Verified

Claims are settled quickly and easily.

Posted: 09/05/2021
By:

Claims are settled quickly and easily.

Injury/illness
Claim Amount
Breed

Mixed breed

Age of Pet
Over 8 years
10
Out of 10
Recommended
Verified

Best pet insurance out there.

Posted: 09/05/2021
By:

Love Trupanion. I recommend them all the time.

Injury/illness
Claim Amount
Breed
Age of Pet
1 - 8
Monthly Cost

Monthly cost varies due to multiple factors including: your pet's breed, age at enrollment, and gender, the chosen deductible and the cost of veterinary care in your area.

Monthly premiums do not automatically increase just because your pet has a birthday or just because you file a claim.

 

Coverage

90% coverage for all new injuries and illnesses—once the deductible is met, Trupanion pays 90% of the remaining invoice.

Coverage for all hereditary and congenital conditions, as well as hip dysplasia without any additional waiting periods.

Alternative therapies, such as acupuncture, physical therapy, hydrotherapy, are available under the Recovery and

Complementary Care Rider.

Trupanion pays off the invoice, no “usual & customary” limits and has the ability to pay your veterinarian directly and in as little as 5 minutes. You simply pay your portion at check-out and Trupanion works with your veterinarian directly to take care of the rest.

 

Payout Limits

Unlimited lifetime coverage with no payout limits or caps.

 

Deductible

Offers a flexible deductible from $0 - $1000, to fit any budget and can be raised or lowered at any time.

A lifetime, per condition deductible meaning that once the deductible is met for a condition is met you policy begins paying out at 90% for anything related to that condition for the rest of your pet's life. *This is great for chronic conditions that can span the entirety of a pets life such as allergies or cancer.

 

Age Limits

Pet must be at least 8 weeks old and under 14 years old to enroll.

Once enrolled, pets stay insured regardless of age and coverage will not change.

 

Waiting Period

Coverage begins 30 days after date listed on policy. 

 

Exclusions

Pre-existing conditions are not covered. 

Alternative therapies are available for an extra amount. 

 

Terms and conditions apply, please see Trupanion.com for full coverage details.  Trupanion is a registered trademark owned by Trupanion, Inc.  Underwritten in Canada by Omega General Insurance Company. 

 

Trupanion’s biggest differentiator is that they can pay your veterinarian directly and in as little as 5 minutes. With the vet direct pay option, there is no waiting weeks for reimbursement. You simply pay your portion of the bill and Trupanion takes care of the rest, working directly with your veterinarian.

Trupanion offers one simple plan that pays 90% of actual veterinary costs for eligible claims once your deductible for that condition is met and offers unlimited lifetime coverage with no payout limits or caps.