Trupanion | Pet Insurance Review


out of 5

Number of reviews 55,265

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.8
  • 4.8
  • 4.8
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  • 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: maria

amazing pet insurance

has worked with me and has covered a lot of my pets emergencies.i would recommend this insurance hands down to anyone who has a loving companion.i own 3 chihuahuas and Trupanion has covered a lot of things such as medication,biopsies,hospital fees,etc. AMAZING! i can sleep better at night knowing my pets are in such great care if needed.

out of 5

POSTED: | BY: Ashley

Trupanion is Amazing!

I am obsessed with Trupanion's service and plan and have recommended them to everyone I know. I used to have VPI but they used a benefit schedule and I got almost no money back every time I submitted a claim. My vet recommended Trupanion and I was fortunate enough to switch to them just before my 4 year old greyhound raced himself right into a barrier at the beach and ended up with serious rope burns and trauma across his chest. Between the emergency vet and several visits to the regular vet we racked up quite a bill. The most important thing, of course, is that my dog is OK. But the fact that Trupanion did everything they said they would and reimbursed everything they said they would made a really bad situation a little bit better. Everyone I spoke to was kind and helpful, their claim forms are easy to complete and my checks came in less than a week. I HIGHLY recommend Trupanion!

out of 5

POSTED: | BY: Cathy

Satisfied Customer

I had never purchased pet insurance for my previous pets and have experienced some very expensive vet bills throughout 30 years of dog ownership. I was asked to consider adopting a Yellow Lab whose owner had unexpectedly passed away and I felt that pet insurance would be a good investment. I had heard about Trupanion through PETCO. I went on line and read up on numerous plans and I felt, by far, Trupanion offered the best coverage. It didn't limit amounts for certain illnesses, etc. like the other plans and it was much easier to understand. You have $20,000 of lifetime coverage, excluding routine exam, vaccinations, and other items (like pre-existing conditions) that are clearly explained. There is a waiting period before coverage will be effective, but this is also explained (5 days accident, 30 days illness). During the second month of ownership, I noticed my dog was experiencing intermittent vomiting and a dry coat. Following bloodwork to rule out any potential cause for this problem, it was determined that he had a very low thyroid level. Once he was put on medication, they needed to re-test his thyroid in a month. I submitted my claims by fax (each invoice has to be submitted as a separate claim) and I received an e-mail confirmation from Trupanion that they had received my claim. My vet's office was contacted the next day to have his medical records faxed to Trupanion. I was also contacted to see if I had any past records from the previous owner.

out of 5

POSTED: | BY: Klaus

My dog owes his life to this company.

Without Trupanion I would not have been able to afford the first class care my beloved dog needed when he had a stroke. I would never have a companion animal without vet insurance.

out of 5

POSTED: | BY: Nettie

Prompt and Wonderful

We have only been insured since Dec. 2009. Our Yorkie has had two incidents - that required hospitalization. One jumping and hitting head severally and one eating part of a Sago Palm. Saving her was costly (but well worth it) - also Trupanion has covered both as in the contract and done so promptly without one bit of hassle. I am telling everyone about this company!!

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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