Trupanion | Pet Insurance Review


out of 5

Number of reviews 55,265

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.8
  • 4.8
  • 4.8
  • Count
  • 21
  • 2465
  • 55,265

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: Roger

not happy

I have had a less than good experience, although I was able to provide proof of a non pre existing condition claim, I later found that the 100.00 deductable, was to be charged on a condition by condition basis, not a one time deductable. This only serves to reinforce my dis trust of insurance companies. n addition the actual office call is never covered only some services. If their is a detail you miss, you are stuck. These claims by the way were only a few hundred dollars. So of my enrollment and monthly payments for six months, I received far less money than I ever paid, in It would have been better to bank it each month

out of 5

POSTED: | BY: sarah collis

this is the best insurence company ive ever seen.

If it wasent for your company many people would lose there loved ones.pets to me are like part of my family. and more so like my kids.If any thing were to happen to my jasper i would just die.but because of this wounderful company i never have to worry about that cause thell be there with me right through it all with my baby. so if your looking for the best insurence its right here thank you Trupanion.

out of 5

POSTED: | BY: Kara Turcotte

Best Overall Vet Insurance Company

i work at a vet clinic, for which we solely support Trupanion for puppy/kitten pet insurance. Even though prices have increased alot, overall the company is quick with claims, and the no limit life time claims is a great bonus. Awaiting to see what the new owners bring to the table, so far so good. Just don't decrease your payout percentage you'll sadly turn into petsecure=:(

out of 5

POSTED: | BY: Laura Plude

Thank You for Helping Us, Help Our Pet

When Izzy (a fluffy orange haired kitty) threw up all day and wouldn't eat, we knew it was time to take her in to the emergency vet. She couldn't get sick on a weekday, when her regular vet was available, that would just be too easy. After a physical exam and x rays, Izzy's naughty behavior became apparent--she had eaten a hairband, the things that had been expertly hidden from her, and which she must have found a place to expertly hide them from us. While surgery was averted, the night's stay in the hospital was extremely expensive, although well worth it. Once our claim made it into Trupanion, we knew within just a couple days that a check was on its way. You covered all but a few of Izzy's needed treatments and once our deductable was applied, we got over half of what we spent back. THis is why we have pet insurance--we knew at least one of our animals would have trouble along the way. It was easy to work with you and we recieved the money before the credit card bill was due. THANK YOU!!

out of 5

POSTED: | BY: Matt P.

Good Claim Response So far!

We've been with Trupanion for a little over a year with both our Yellow Lab (1 yr old) and Kitten (1 yr old). Our vet recommended them when we were getting their first checkups. We did some research and read the good reviews and decided to give it a go. We're glad we did. Our Lab had kennel cough (much to our efforts to prevent it) and the ER tests on a holiday was covered. Our Kitten recently swallowed an object and we were not prepared for the $3k+ ER visit and surgery for that, we lucked out and the surgery was not needed but the tests, etc cost several hundred. After submitting the claim request we quickly received a response that it was being reviewed then followed up communication on its progress. We promptly received our reimbursement check (minus of course our deductible and coinsurance). It's come in handy already and we're only a year in. Only bummer is sometimes large claim files get lost in FAX neverland - although they cleared that up quickly after we resubmitted which was great.

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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