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 9.7 9.6 9.5
Count 253 4883 11017

Trupanion US

10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 08/10/2018
By:
Tami L Eckhart

Trupanion pays claims in very short amount of time after claim is filed. Never argue about it and one can call them 24/7.
Friendly and knowledgeable people on the phone.

Injury/illness

Skin problem

Claim Amount
$100 - $500
Breed

Labrador Retriever

Age of Pet
1 - 8
10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 08/09/2018
By:
Randy A Cox

All the people i spoke with in regards to my pets surgery truely seemed to care. Customer service was great. Even recieved a card signed by Trupanion staff to my Pooch wishing her well. Customer service is not dead with this group.

Injury/illness
Dysplaxiain front elbows
Claim Amount
Over $1000
Breed

Golden Retriever

Age of Pet
1 - 8
10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 08/07/2018
By:
Vonna Gaines

Harley my Golden has had quite a few issues. Allergies, just had TPLO surgery. Trupanion is absolutely amazing. There customer service department truly loves Dogs. Amazing Company,everyone needs them for there fur babies!! Love them. They always come...

Injury/illness
Claim Amount
Over $1000
Breed

Golden Retriever

Age of Pet
1 - 8
10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 08/07/2018
By:
Janet Sussan

polite and informative

Injury/illness

Renal (kidney)

Claim Amount
$500 - $1000
Breed

Mixed breed Small (up to 20lbs when full grown)

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.