Trupanion | Pet Insurance Review


out of 5

Number of reviews 59,494

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.2
  • 4.9
  • 4.8
  • Count
  • 29
  • 3721
  • 59,494
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: Joe Momjian

With Trupaion we are at ease!

Adding a four legged family member is equally as important as the rest of the family. It comes with big responsibilities such as care, financial and dicipline to mention a few. Trupanion was a fantastic choice to make to have a piece of mind knowing that our pet is going to be well taken care of and properly cared for in the event it was needed. Now I rest assured our dog (Phoebe) is protected and in good hands if and when disaster hits. Thank you Trupanion for such a great coverage and having our back. So far there was no incidents but a piece of mind is well worth it in case it happens.

out of 5

POSTED: | BY: Katherine Ramirez

A true blessing that I wouldn't trade

Having insurance to cover my dog's special needs has been a tremendous stroke of luck. It has provided me with peace of mind and financial security when it comes to my furry friend's health. Not only does it cover a range of medical expenses, but it also includes special provisions for dietary needs and offers expedited services, which have been invaluable. One of the most significant advantages of having insurance for my dog's special needs is the coverage it provides for dietary requirements. My dog has specific dietary needs due to allergies and gastritis, which can be expensive to manage. However, with insurance, I don't have to worry about the high costs of specialized pet food or supplements. The insurance plan covers 50% of these expenses for two months, making it much more affordable to ensure my dog gets the nutrition he needs. Another incredible benefit is the financial relief. Veterinary bills can quickly add up, especially when dealing with chronic conditions or emergencies. Thanks to Trupanion insurance, I can take my dog to the vet without the constant fear of receiving a hefty bill. The coverage ensures that a significant portion of the costs is taken care of, allowing me to prioritize my dog's health without financial strain. One of the standout features of this insurance plan is the quick response and expedited services it offers. When my dog needs medical attention, I don't have to wait for days or jump through hoops to get approval for treatment. The insurance company understands the urgency of pet health issues, and their prompt responses ensure that my dog receives the care he needs promptly. This quick turnaround time has saved my dog from suffering needlessly and provided me with peace of mind during stressful situations. Furthermore, the expedited services extend beyond just approval for treatment. When my dog needs a specialist, the insurance plan helps me find one quickly. It streamlines the process of scheduling appointments, getting referrals, and even arranging for necessary tests or surgeries. This efficiency has been a game-changer in managing my dog's special needs effectively. In addition to all these benefits, having insurance for my dog's special needs has also strengthened the bond between us. Knowing that I can provide the best possible care without worrying about finances has made me a more confident and attentive pet owner. I can focus on showering my dog with love and attention, knowing that his health is in good hands, both mine and the insurance company's. In conclusion, having insurance to cover my dog's special needs has been a stroke of incredible luck. It has made managing my dog's dietary requirements affordable, eased the financial burden of veterinary bills, and provided expedited services when my dog's health is on the line. This insurance has not only benefited my dog's health but has also given me the peace of mind and confidence to be the best pet owner I can be. It's a true blessing that I wouldn't trade.

out of 5

POSTED: | BY: customer

Review so far

I was charged twice, waiting to see if the double charge will fall off. If not I will be calling customer service. Edit: As of 9/21/23 I have been refunded my money. I have not used the insurance yet, that's why it's 4 stars.

out of 5

POSTED: | BY: Evette

Peace of Mind for my cat

I called with many questions and was treated with respect. I had a great experience, thus far, and hope for the continuation of many more good experiences as I continue with Trupanion.

out of 5

POSTED: | BY: customer

I had to enroll 3 times before I…

I had to enroll 3 times before I eventfully called. Now I have no insurance for 1 month with a new puppy ...Could not give my friend a referral credit for referring you to me

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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