Trupanion | Pet Insurance Review


out of 5

Number of reviews 60,331

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  • 4.9
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Updated: May 29, 2024

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: Matthew Perrapato

Mya and Mokka

Start to finish Trupanion was there for us. They made the whole experience easy and stress free . I honestly feel that they truly care about ours dogs well being. I've been working with Stella and she has been such a pleasure to work with she is friendly amd knowledgable. She treatsy wife and I like family and cared about our dogs as if they are hers.

out of 5

POSTED: | BY: Brenda Loner

Wonderful Insurance

Our little Yorkie, Rocky had a really hard time with pancreatitis. He had to be taken to our regular vet. four different times and then to the emergency vet and a specialist. Trupanion has been wonderful paying for the services we had to have to help Rocky. I would highly recommend this insurance.

out of 5

POSTED: | BY: Sandy Vilahu

Highly Recommend Trupanion

After doing a lot of research three years ago, I selected Trupanion to cover my then 2 year old rescue. She had been starved and abused so I purchased my first pet insurance policy to cover her. Trupanion has sliding deductibles so I could create a policy that worked best for me. I wanted a policy that would cover serious medical issues, while I took care of her routine care, so I selected a higher deductable which also gives a lower monthly premium. When you get insurance, you really hope you never have to use it. Unfortunately for my dog, she ended up in the emergency vet twice this year with bills for each incidence exceeding $2,000. The most recent incidence was mammary cancer. It was such a relief to know that I had Trupanion and could give my dog the care she needed. Trupanion was fabulous processing my claims for both incidences. They kept me advised every step of the way. They processed my claims quickly and covered all the charges submitted. I really can't say enough good about Trupanion! If you are looking for pet insurance you should really consider Trupanion.

out of 5

POSTED: | BY: Julie

Much improved since I first got insurance

I am quite pleased Trupanion as I feel the company has become more user friendly. I have noticed that reimbursement turnaround time is much faster and claim is clearly explained as opposed to earlier prototypes. I am glad I gave Trupanion a second chance- it has proven to be well worth the monthly premiums.

out of 5

POSTED: | BY: Nancy Schempp


Insurance is great but it took two months to process because they needed to get all the background info from his other vets before processing. I'd assume any further needs would be much quicker. The Care Credit Card gives 0 interest on bills over 200.00 so that helped avoid interest charges.

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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