A Trupanion Pet Insurance policy 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. Trupanion is the only provider that can pay their portion of your bills directly to your veterinarian electronically, so you don't have to wait for reimbursement. With the most flexible pricing options and unlimited payouts on all eligible injuries and illnesses, Trupanion is there to help you give your pet the best.

Trupanion has a wide range of deductibles to choose from, including the option not to have a deductible at all. This means a pet owner can choose from hundreds of price options to pick what works best for their budget. 

The Trupanion pet insurance policy allows you to enroll your pet from birth for true lifelong coverage.

Terms and conditions apply.  This plan not available for new enrollments in Florida.  See policy for details.

Learn more about Trupanion's pet insurance options, read thousands of Trupanion reviews and get a quote so you can make an informed choice about your pet insurance provider.  

Average customer rating

9.5 Out of 10
60 Days 1 Year Lifetime
Rating 9.6 9.6 9.5
Count 1375 5639 21158

Trupanion US

10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 04/05/2020
By:
Doreen Hale

Digby's first claim. Was handled promptly by Trupanion. Perfect service.

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 04/05/2020
By:
Victoria McVie

I was told my dog tore his ACL and needed surgery. This was scary news, but knowing I had Trupanion to helped financially made a difficult time a little easier. Filing the claim was easy and customer service was great every time I spoke with them.

Injury/illness
Claim Amount
Breed

Labrador Retriever

Age of Pet
1 - 8
10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 04/04/2020
By:
Rose

My dog developed a cancerous tumor. It was a costly surgery but absolutely necessary. Trupanion paid a large portion of the bill making it possible for her to have the surgery. Thank you Trupanion!
Without your help I don’t know what I wold have done.

Injury/illness
Claim Amount
Breed

Boston Terrier

Age of Pet
Over 8 years
10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 04/04/2020
By:
Joyce Holbrook

I’ve had Trupanion pet insurance for over seven years and my experience with them has always been excellent. They process claims quickly. Their customer service representatives get a 10 as they are really nice and efficient.

Injury/illness
Claim Amount
Breed

Bichon Frise

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.

There is no coverage for travel costs to a veterinary practice or hospital or for house visits from your veterinarian.

There is up to $100 coverage for cremation if death is a result of an accident and the optional Pet Owner Assistance Package has been selected.

Trupanion pays off the invoice, up to “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".

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Age Limits

The Trupanion policy allows you to enroll your pet from birth until their 14th birthday.

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).

 

The Trupanion pet insurance policy offers a straightforward plan that covers 90% of the cost incurred due to any accident or illness, as long as it isn’t related to a pre-existing condition. Other features include;

  • No per incident or lifetime caps.
  • 24/7 customer service and support. Including holidays.
  • The industry-first ability to pay veterinarians directly and electronically, which means you don't have to wait for reimbursement. 

With the most flexible pricing options and unlimited payouts on new injuries and illnesses, Trupanion is there to help you give your pet the best. Trupanion's superior customer service and nearly $1 billion paid out in claims make it one of the best choices on the market.