Trupanion | Pet Insurance Review


out of 5

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Pets can be full of surprises—so their insurance coverage shouldn’t be. That’s why Trupanion is dedicated to helping the pets we love get the care they need. They pride themselves on the amount they pay out to pet owners, paying out more on the dollar than any other pet insurance provider. To date they have paid out nearly $2 Billion in claims. The Trupanion policy was designed by veterinarians to protect pets and their owners by taking the cost out of the care equation. If your pet gets sick or hurt, the last thing you want to worry about is affording the treatment they need, you only need to worry about getting them better. That’s why Trupanion is the only provider who can review, approve, and pay your claim direct to your veterinarian, within seconds, at the time of checkout.* No more juggling credit cards and no more waiting for reimbursement. Your pet gets treated, you pay your portion, and go. Trupanion takes care of the rest. 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 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.

out of 5


Don’t waste your money

Don’t waste your money, Worst insurance policy ever got ,try claimed when my dog went to non-regular doctor visit , can’t claim that due to all fine prints, they will get you , try call and cancel policy on their website right after that got email with policy changed email (be careful NoT cancellation email which I thought that’s what you need ) ,they continued taking monthly charges out my auto draft account until I finally realized which is 5 months later

out of 5

POSTED: | BY: Shawn Anders


Trupanion has been good to me. Everytime I see the bill, I'm thankful for this insurance. I have always had digs from CAPS, but Maximus has been the most expensive, but I love him. He's so sweet, my special osl!!!

out of 5

POSTED: | BY: John

Trupanion will never pay you

Trupanion has been a nightmare. My wife and I cancelled a separate insurance policy because our breeder offered a no waiting period option with Trupanion. Our puppy almost immediately needed surgery for intussusception which was promptly not covered as a pre-existing condition. Fine. Then a while later she started to have diarrhea unrelated to the intussusception. All 4 subsequent claims have been rejected on the basis that diarrhea was a symptom of the pre-existing condition. Great. So my wife and I call and get connected to “a pet lover” to help us out. Our vet treated the diarrhea as a symptom of giardia and confirmed it was unrelated to the surgery. On the phone the rep admitted to us that the later costs should have been covered, so we could get clarifying documents and submit an appeal. Even though the rejection was WRONG, we still have to go through additional work to get this rectified. All insurance is a scam, but Trupanion is on another level. Nightmare company disguised as pet lovers. So far we have over $5000 in attempted claims and have not been paid back a single cent. Don’t bother with this company. EDIT: today, yet another claim was denied wrongly. Trupanion will deny any claim if any symptom of a new ailment is consistent with anything labeled a pre-existing condition. The latest was a treatment for diarrhea caused by giardia, but was denied because diarrhea was a symptom of her intussusception. Our vet stated that the treatment was for diarrhea from giardia. Curse words are not strong enough to lay out how awful this company is. DO NOT GET TRUPANION INSURANCE.

out of 5

POSTED: | BY: Chris Howard

Well worth the peace of mind

Been insuring my pets with them for 10 years. They always come through. Most claims processed very quickly. I don’t have to give a second thought to giving my dogs the care they need.

out of 5

POSTED: | BY: stacy teasdale

Trupanion is always so easy to use and…

Trupanion is always so easy to use and simple coverage that’s easy to follow.

Monthly Cost

Your monthly rate is determined by multiple factors, including your pet’s species, gender, breed, age, and zip code, and the deductible amount you choose.  


Depending on your plan, Trupanion policy pays up to 100% of the bill for all eligible expenses once your deductible is met, if you have a deductible at all. Some of the things they cover are:

  • All new, unexpected accidents and illnesses
  • Hereditary conditions (like hip dysplasia, diabetes, etc.)
  • Congenital conditions (like heart disease, cataracts, or liver disease)
  • Chronic conditions (like allergies, or cancer)
  • Diagnostic Tests
  • Medically-necessary hospital stays
  • Prescribed medications and supplements
  • Prosthetic carts

There are three additional riders to expand your policy, if they are not included in your states core plan:

Recovery and Complementary Care

  • Acupuncture
  • Chiropractic Care
  • Hydrotherapy
  • Physical Therapy
  • Behavioral modification
  • Homeopathy
  • Naturopathy
  • Rehabilitative Therapy

Pet Owner Assistance

  • Advertising and reward for lost pets
  • Boarding fees if you are hospitalized
  • Liability coverage for third-party property damage
  • Cremation or burial for death due to accident or illness
  • Vacation cancellation costs due to accident or illness


  • Whelping
  • Queening
  • Other injuries associated with breeding

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.

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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