Trupanion makes things simple by offering one plan that pays 90% of actual veterinary costs for eligible claims once the deductible for that condition is met. They are the only provider that has the option to pay your veterinarian directly and can do so in 5 minutes or less, you simply take care of your portion and Trupanion will work with your veterinarian to pay the remainder.

Average customer rating

9.2 Out of 10
60 Days 1 Year Lifetime
Rating 9.3 9.2 9.2
Count 348 3917 8888

Trupanion US

10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 04/21/2018
By:
Leslie Clarke

I purchased Trupanion for my puppy slightly less than a month before having to use it for the 1st time. My puppy was taken to the vet on two separate occasions due to a blockage. The bills were well over $1800 for both visits. Because of Trupanion, not...

Injury/illness
Blockage
Claim Amount
Over $1000
Breed

Old English Bulldogge

Age of Pet
Under a year
10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 04/19/2018
By:
Melodie M Schwam

I just wanted to say "thanks" for always being so prompt with getting claims paid and giving detailed information of all payments. If I ever do have to call for a question, everyone is so kind and helpful. I am so glad I found you guys!

Injury/illness
Diabetes
Claim Amount
$500 - $1000
Breed

Maltese

Age of Pet
Over 8 years
10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 04/18/2018
By:
Mary Bieganowski

I would highly recommend Trupanion to all my friends. Their customer service is a dream to work with and they are there when you need them most. The best money I have ever spent.

Injury/illness

Bladder

Claim Amount
$500 - $1000
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 04/18/2018
By:
Megan Zumbach

They are super easy and very helpful with all your insurance needs. So glad we decided to join the family. Worth the security and piece of mind.

Injury/illness
Claim Amount
Over $1000
Breed

Australian Shepherd

Age of Pet
Over 8 years
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 means that once the deductible is met for a condition your policy begins paying out at 90% for anything related to that condition for the rest of your pet's life. *Trupanion say:"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

There is a 5-day waiting period for accidents and 30 day waiting period for illnesses.

No additional waiting periods for hip dysplasia, only the standard 30 days.

 

Exclusions

Examination fees and pre-existing conditions are not covered. 

Wellness, preventative, elective, or cosmetic care are not covered. 

Sales tax (where applicable).

 

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.