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: Andrea Anielski

Great service, great rates and so HELPFUL

What can I say? Since becoming a cat owner by accident, falling in love with my cat only to have to put him down 2 years later was a heartbreak. It was on that sad day that my vet said "get insurance, get this insurance" and I made the call when I got my next cat, and my next cat. Since then I have been so impressed with the service quality and turn around times to claims. I have recommended your company to everyone I know who has a pet and I know I would never be without it again. It has made such a difference in my life and especially my two best friends, Miss Katie and Abbey. THANK YOU!

out of 5

POSTED: | BY: Laura Hockman

Prompt response even on a sunday

I asked a question by email, and got a quick reply on a sunday. It was awesome.

out of 5

POSTED: | BY: Jennie C,

I recommend VetInsurance to EVERYONE!

I am an AHT in a veterinary referral practice and I can't recommend insurance enough! I get lots of great feedback from owners with Trupanion who are so happy they are able to do everything they can for their pets. I myself have two cats with Trupanion and recently had to make a claim for my 4 year old who was diagnosed with renal insufficiency. This is an on-going disease and he is quite young to already have medical issues. Let me tell you; even though I am working in the industry, it is SO nice to know I can provide my pets with all the best care they require without having to worry about costs. I truly can't recommend Trupanion enough!!!

out of 5

POSTED: | BY: Bobbie Middlemiss

Outstanding...such comfort knowing they are there

We have had our 3 cats insured since they adopted us about 3 years ago. We have had a couple of issues, one big emergency (accidental Tylenol ingestion) and one diagnosed with what will be a long term issue (Ideopathic Hypercalcemia). Vet Insurance (Trupanion) has been there for us. No issue about the number of claims made, or decision making due to cost of treatment. No questions asked, a 90% return of diagnostic treatment & prescription costs. With every claim I have submitted I receive notice of the status and very speedy return of the covered costs within a day or two. Customer service is top notch. Deciding to insure my 3 pets with Trupanion was one of the best cat care decisions I have ever made.

out of 5

POSTED: | BY: Brooke

Pretty good for the most part

Our 1 year old Great Dane has been insured with Trupanion since she was about 6months old. In the last few months we've been trying to figure out what was wrong with her back (she was walking funny)... after xrays, an MRI, spinal fluid testing, and more we still had no definitive answers. We were able to get all these tests done though with the help of Trupanion and knowing they would cover 90% of our claims (excluding vet exam fees). It's been a lifesaver. And they always process our claims very quickly. The one thing that prevents me from giving them a higher rating is they do not cover holistic medicine and that seems to be the only thing that's helping her (even the neurologist said he had no clue what was wrong and a holistic vet may be the answer). Chiropractic and acupuncture have helped her walk better. I just wish Trupanion covered her visits.

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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