Trupanion | Pet Insurance Review


out of 5

Number of reviews 60,294

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.9
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  • 5
  • 496
  • 60,294

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: patricia harpst

best insurance ever

five stars, had for six months when my baby got cancer. They have paid for surgery chemo radiation about ten thousand dollars so far. Processed my initial claim in three weeks. Now I fax claim on monday and have check by saturday. This is the best investment I have ever made.

out of 5

POSTED: | BY: John Colby

I cannot say enough good things about Trupanion

This is by far the best thing anyone can do for their pet and themselves.I picked up a brochure at my Vets office after getting a staggering bill for the removal of a tooth and a cleaning. I told myself I did not want this to happen again so I bought the insurance. Unfortunately some months later Bandit was found to have cancer in her bladder. Trupanion has been superb in handling all her insurance needs. Letting us concentrate on getting her help for a quality of life for her remaining days. We even received a call from Michelle, asking how she was doing and were assured that all her Chemo treatments would be taken care of. It is the only time I have ever heard of an insurance carrier call with genuine concern for a client. Thank You Trupanion

out of 5

POSTED: | BY: Terri Benson


I had been considering Trupanion for months but, it got put on the back burner. Until I needed to take my puppy to the vet and the first thing they asked was if I had insurance. $300 later, I was wishing I did have it! I did some research, made Trupanion a friend on Facebook and found a link through Dogster where I could get my first 2 months for free. Enough said....I signed up! I hope I don't need the insurance but, since my puppy just turned 1 year old, I am thinking it will be great to have the coverage for many years to come.

out of 5

POSTED: | BY: Jerry

Worst ever,

Purchased puppy, came with 1 month insurance which needed to be applied for within 48 hours, this was done. At vet visit for puppy shots, diagnosed with kennel cough, which eventually evolved into pneumonia 4 days later. Insurance claims were rejected, "preexisting condition". All we got was rhetoric when asking to reconsider. Would not recommend this to anyone.

out of 5

POSTED: | BY: Cindy

Thank You Thank You Thanks You

We have been having quite the run with this 11 month old puppy...With tests, food changes, meds and now surgury....But throughout it all Trupanion has been there and at least that's one less thing to worry about is not being able to afford her treatment...Thanks Trupanion

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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