Trupanion | Pet Insurance Review


out of 5

Number of reviews 60,188

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  • 4.8
  • 4.8
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Updated: November 13, 2023

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: Rita

Could be better

My cat has been seen since aug of 2014 for anal gland issues. Vet says that they are defective and not emptying on their own. Trupanion does not cover expression which is really terrible saying that it's maintenance. It really isn't. My cat has had infections because of this. They will cover that but not expression to prevent the infection from happening again. Doesn't make sense. I've called twice now and still they won't cover it.

out of 5

POSTED: | BY: Darryl Simpson

Good Service

Logan has gone to Have brace checked now 4 weeks now. Is Scheduled to be removed Apr 1,2015 ,

out of 5

POSTED: | BY: Tamara

good service

my dog Labrador was diagnosed for pancreatic insufficiency that was cost me over $1700 for all kind examinations and treatments . I was very pleased when I've got such a quick respond from Insurance about a proses my claim, Total it took under 48 hours from time I fax the claim and Insurance sent me money 90% per coverage . thank Trupanion,

out of 5

POSTED: | BY: Cherie Werner

That Was Easy

We brought our pet in for a routine vaccine 3/12 and the receptionist encouraged us to sign up for the free 30 trial with Trupanion. She set up the account and we recieved the email later that day. Imagine my surprise when in less than 24 hours we were back at the vets 3/13 as our dog was lethargic and unable to walk. His body temp. had dropped, his heart heart was slow, and he was non responsive. He ended having to have fluids and stay overnight. Everything was happening so quickly and the expenses were rapidly increaseing. Suddendly I remembered the 30 day trail and asked about it never imagineing that it would cover anything but I was delgihtfully wrong as they stepped in to cover most of the expenses. Having pet insurance is well worth it.

out of 5

POSTED: | BY: Karen

Bladder Stone Surgery

Our male Morkie had suffered from two bladder infections which are fairly rare in male dogs. They did an xray after the medication didn't clear up the second one and found the bladder stone. Our vet recommended surgery and we went ahead. We submitted the claim going back to the time of the initial bladder infection and it was reviewed and all covered as per our policy. My only reason for not giving a 10 out of 10 is that no examination costs are covered. I understand and don't expect regular examination to be covered but once you have an issue and require follow up care only because of this condition I would have thought that would be covered. However all in all the people we dealt with were friendly and helpful and seemed genuinely concerned for the health of our pet. I would certainly recommend Trupanion to any pet owner. It is worth the peace of mind to know you will be able to deal with the expense of health emergencies for your pet.

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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