Trupanion | Pet Insurance Review


out of 5

Number of reviews 60,294

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  • 4.9
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Updated: April 29, 2024

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: Diane


My basset hound was diagnosed with canine cystinuria, which is very rare, at the age of one. This is a genetic disease, which many insurance companies would not cover. Fortunately, we insured him through Trupanion. We have 90% coverage, and are fortunate to have had over $5000 in vet bills paid for by Trupanion. Just 3 months ago, at age 2.5, he blocked with cystine stones and needed emergent care and surgery. He was in the hospital for 4 days. I have since switched my older basset girl to Trupanion insurance. We are really relieved to know that Trupanion will take care of our two bassets when they need veterinary care.

out of 5

POSTED: | BY: GSD owner

Our experience

It took trupanion 10 days to process our claim. This does not include my time spent on preparing the claim and getting doctors signature as well as postal time mailing the claim to trupanion and the reimbursement check mailed to us.

out of 5

POSTED: | BY: Barbara Armstrong

Pet Insurance ..soownderful!!

Charlie was so sick with GI vomiting, diaerhea and abdominal tenderness and resulted in exploratory surgery! Dr Prince saved her life by finding a section of bowel that had inverted into itself and he was able to fix it. She had post op intravenous and is on a very special diet for the next couple of months. The insurance company notified me when they received the claim (which was substantial), informed me by email when it had been processed and I had the cheque within 2 weeks of notification...AMAZING and the forms are so easy to complete. Thanks to the staff at hte clinic, they filled in everything that needed to be done and faxed it to the insurance company....sure helped relieve a lot of the stress of Charlie's illness and the bank account!!!! I wouldn't be without the insurance and this is the best company I have ever had to deal with!

out of 5

POSTED: | BY: Deanna

Best Pet Insurance

My cat spent six nights at an emergency clinic and had surgery. The bills kept adding up. Trupanion helped my save my pet. Without the insurance, I would not have been able to afford my cat's treatment.

out of 5

POSTED: | BY: Marneilli Aball

No Red Tape for Removing Bibby's Polyp

My husband and I are completely satisfied with Trupanion. Recently we noticed Bibby had been throwing up for a couple of days - we didn't think much of it because when Bibby doesn't eat at the time we feed him he'll throw up, so we thought it was 'normal' for him. But coming home from work one day we found Bibby glued to his water bowl and drinking excessively. His stomach was swollen and he was nervous to our touch. After blood tests and xrays our vet revealed Bibby has what's called a polyp (a blockage in the stomach lining) which is common in male Shih Tzu's. Bibby had to go through surgery to remove it. Our bill totaled over $3K but thankfully purchasing Trupanion pet insurance for our baby boy with ZERO deductable saved us over $2800.00 - we only paid $300.00. I highly recommend Trupanion for your four-legged loved ones - not only did they save us $$$ but there was absolutely no red tape to cut through.

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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