Trupanion | Pet Insurance Review


out of 5

Number of reviews 55,265

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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: Janelle Lau

I'm a believer

When I first started looking into pet insurance I was very leery of the whole concept. I calculated the cost of raising a dog over an average life span and thought that perhaps the benefits of pet insurance might not outweightinsurance cost per lifetime of my pet. I am definitely one of those people that tend to think nothing would or could possibly happen to my pet, I'm responsible, he's a house dog, etc. After speaking with several old hadn pet owners (friends, my parents, friends of friends)I decided to bite the bullet. In less than a year it proved to be very helpful. My little 15 lb Ace got a cat tail stuck waaaay down his ear canal while bounding through a field with weeds twice as tall as he is. The removal cost me about $325, after submitting my claim, Trupanion reimbursed me 90% in 2 days!!! I was expecting a week. I am very pleased with the concept that they will reimburse for illness and injury and not for the cost of services you would normally incur. After all, if you didn't have it, it would cost you the same. Lastly, i want to mention that their customer service and responce time is really admirable. Typically, the online chat is friendly, quick and polite. All of my emailed inquiries were answered in a day.

out of 5

POSTED: | BY: Jim Johnson

Gives me peace of mind

When our puppy, Trixie, a beagle-bulldog mix, started vomiting each morning and intermittently throughout the day, we worried that she might have eaten something poisonous. Our vet was able to rule that out with a blood test, but she feared a blockage -- Trixie has a history of "dietary indiscretions," (her beagle half just loves to chew on twigs and leaves). An X-ray was inconclusive because our dog had already lost so much weight, so we were referred to an animal hospital for an ultrasound. When that showed no mass of leaves or stuffing from a toy, the doctors were able to give her medicine to calm her stomach and also subcutaneous liquids to keep her hydrated. It took a week of medicine and a bland food diet, but Trixie recovered and started to put weight back on. The bills totalled $1400 but Trupanion reimbursed us for nearly $900. It was a huge comfort to have pet health insurance when the puppy that we've come to love was facing an unknown illness.

out of 5

POSTED: | BY: Margaret Baslow

Best pet insurance found during my research

I am an enrolled veterinary student and animal lover that has been researching pet insurance and between reviews online, talking to current customers, and my own comparisons Trupanion has the most to offer with reliable service.I would definitly recommend your company.

out of 5

POSTED: | BY: Danielle Churchill

No need to worry

I haven't needed to use Trupanion's services as of yet for any of my three pets (two dogs and one cat), but having the service there lets me be less concerned about what could be and lets me concentrate more on having a wonderful time with my buddies. It is good to know that I will have the help should anything happen to any of them.

out of 5

POSTED: | BY: Neal Timmers

Customer Service was very prompt to respond.

I highly recommend Trupanion to everyone I know. I have yet to file a claim on my 8 month old boxer. I did have an issue that could not be dealt with via the website. I dropped them an email and before I new it a service emailed back that everything was taken care of. Could not have been any easier. ref:00D8K

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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