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: Jaynik

Thank Trupanion

My 10mo old Amstaff was very ill & we didn't know what was wrong with her. After 6 visits to her regular vet we had to go see a specialist who told us she has meningitis. She had to have an MRI, xrays and several test done to come to this conlusion. From the begging of her sickness I would fax in a claim form and they would send out a check within a week. So when she had to see a specialist it was a very large bill and we wanted to be sure we were going to be our covered. I called trupanion they were very helpful they faxed over a pre approval form to the Vet hospital and they called me back the next day to say it was approved. I was so happy. She is on medicine now doing better. I wouldn't have been able to go this far and help my puppy without trupanion

out of 5

POSTED: | BY: louise

always a reason not to cover

I discovered that Trupanion doesn't cover a vet visit unless the vet DOES something like take blood or give medicine. So, when my dog started yelping and was unable to walk in the park, the visit to the vet was not paid because the vet found nothing wrong and the dog was no longer yelping. They ignored that the vet spent a good deal of time checking my dog over from head to foot to be sure. Then they refused to pay for allergies even though no allergies have been found. The records indicated that an ear infection COULD BE a seasonal allergy so now they wont pay for any allergic conditions. In fact, they've only paid for a crisis situation when the dog suddenly started vomiting and became dehydrated and we didn't know why. This seems to be emergency only insurance although it's not supposed to be.

out of 5

POSTED: | BY: Duane

Very efficient & claim processed within a week.

While on holidays, our dog sustained an injury that required hospitalization after midnight. While in hospital, x-rays, bloodwork and an ultrasound was performed and our dog was released after 18 hours. Within the next 3 days the medical report was completed and forwarded to our vet-pet insurance. The claim was substantial and required another level of review and within 5 days the claim was processed. Throughout the entire process there was excellent communication with Trupanion and we were most satisfied with the result. Over the years,Trupanion has provided excellent service, communication, and claim repayment, and we are thankful we chose this company to have our pet insured under. We would use them again for any future pets we own also.

out of 5

POSTED: | BY: Rachael

what am I paying for?

They will do anything they can to not pay your claims. They are not helpful or understanding in regards to patient care.

out of 5

POSTED: | BY: Max's Mom

Excellent Service

After a horrible exprience with a previous company I switched to Trupanion and I am very pleased. Max stopped eating, vommitted and had bloody stool so I rushed him to the emergency vet 2 weekends ago, he needed IV antibiotics and was ready to go home the next morning with some antibiotic pills. His misadventure cost $660 and Trupanion is covering $460 of it, well worth the switch. (If this were my old policy the vet & I would be faxing all of the documents 3 times each, only to have it denied.) Trupanion made an unpleasant experienc, for the dog and I, much better with their prompt and fair service!

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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