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

9.5 Out of 10
60 Days 1 Year Lifetime
Rating 9.5 9.6 9.5
Count 242 4710 11316

Trupanion US

10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 10/17/2018
By:
Richelle Bottari

Trupanion was the best decision we made for our Bayli. They are life savers , literally. Bayli had bladder stones and was taken into emergency surgery. Having Trupanion took care of us so we could take care of Bayli. Knowing you have Trupanion, takes away...

Injury/illness

Thyroid

Claim Amount
Under $100
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 10/16/2018
By:
Michael Caiafa

Has helped us afford many pet hospital stays, many of which were lifesaving. Efficient and timely payment of claims I'm my experiences with this company. A must have with English Bulldogs.

Injury/illness

Eye problem

Gastritis/vomiting

Torn knee ligament, burns in stomach with bloat (from grabbing hot chicken and eating it), vaginoplasty.
Claim Amount
Under $100
Breed

English Bulldog

Age of Pet
1 - 8
10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 10/16/2018
By:
Brittany dube

Very helpful people that work there. And my policy is super cheap compared to other companies. I highly recommend Trupanion. Iv neber Had to use them yet but I understood what my policy is cause hey explained it so well

Injury/illness
Claim Amount
Under $100
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 10/16/2018
By:
Dottie Clark

I am so pleased with Trupanion. They are the most caring pet insurance company.

Injury/illness
Heart murmur
Claim Amount
Under $100
Breed

American Shorthair

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 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.