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 9.0 9.7 9.5
Count 80 5945 15212

Trupanion US

10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 04/17/2019
By:
Linda Hatala

This company is very upfront with their product. You select the deductible you are comfortable with and then if you have to file a claim they are lightning fast in processing that claim. You hope you never need to be in the position to file as that...

Injury/illness
Claim Amount
Breed

Dachshund

Age of Pet
Over 8 years
1
Out of 10
Insurer: Trupanion US
Posted: 04/16/2019
By:
Maddie

The claims experience was problematic and was obviously calibrated to not actually pay out for procedures that should have been covered. I ended up paying entirely out of pocket for a surgery despite my vet being very clear in the appeal that the...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
6
Out of 10
Insurer: Trupanion US
Posted: 04/16/2019
By:
Lew Wessel

I bought a Trupanion policy when my golden was 1. A friend had recommended your company after you quickly paid a claim arising from an accidental that befell his dog.
My now almost five years old golden was diagnosed with. lymphoma one month ago. He is...

Injury/illness
Claim Amount
Breed

Golden Retriever

Age of Pet
1 - 8
10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 04/14/2019
By:
Bette Katsekas

You are clearly a compassionate as well as well-run pet insurance company. We are so grateful - you to have been supportive of our Rascal before he passed, and now our Sally now as she gets better each passing day. Our 2 cats, Butterscotch and Oreo are...

Injury/illness
Claim Amount
Breed

Mixed Breed

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.

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".

 

Age Limits

The Trupanion policy allows you to enroll your pet from birth for true lifelong coverage. All cats and dogs under 14 years of age are eligible to enroll for lifelong coverage.

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.