Trupanion | Pet Insurance Review


out of 5

Number of reviews 59,494

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.2
  • 4.9
  • 4.8
  • Count
  • 29
  • 3721
  • 59,494
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 to review all available pet health insurance products. Source: Survey commissioned by dvm360, from April 19-June 9, 2022

out of 5

POSTED: | BY: Karen Salamonrcustomer

Good Job Trupanion

1. Little wait time until spoke to customer assistant. 2. No, our assistant explained options clearly, answered questions No pushing for a “sale” which we appreciated, was able to call back in his extension to talk to him futher- same person 3. Rates for coverage are fair and reasonable

out of 5

POSTED: | BY: Kathy

Pick your monthly payment

You can easily choose your monthly payment by selecting a deductible and that’s great. Everything is easy to set up online - no hassles.

out of 5

POSTED: | BY: Judy Spivey

This was our first dog insurance…the best!!

This was our first dog insurance purchase. This was without a doubt the best experience I’ve ever had with an insurance company. I wish human insurance was as easy! Our sweet English shepherd had incurable nasal cancer. We have a wonderful specialty vet hospital/clinic here in Dallas with an oncology dept. that I can’t say enough great things about. Our pet required CT scans, surgeries, anesthesia chemotherapy and radiation. I sent the invoices in and 80% of our bill was taken care of after our 1000.00 deductible. Our bills were over 12,000 and Trupanion paid every invoice I sent in no questions asked and they were very prompt. This went on for almost a year ( Oct 2022-Aug 2023) Sadly, the nasal cancer spread and we needed to put our sweet pet to sleep. Trupanion phone personnel were so sympathetic and caring. I would absolutely use them again. Judy spivey

out of 5

POSTED: | BY: customer

We had trupanion for our last dog and…

We had trupanion for our last dog and it saved his life, there was no way we weren't going to use you all again for our new girl Nya. Thank you so much

out of 5

POSTED: | BY: Nancy

10 years of great service

10 years of great service. I have had Trupanion for 10 years, from my puppy's first weeks through his entire life. It has been reassuring to have insurance to cover anything that might be the best medical care for my dog. More, Trupanion is a comprehensive policy and the staff are very responsive, have an easy and have very fast claims process. My claims were processed within days, and payment came immediately thereafter. I now have a second puppy on the way, and have already added him to our coverage as well.

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.


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.


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.


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 to review all available pet health insurance products.
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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