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 AmericanPetInsurance.com to review all available pet health insurance products.
Source: Survey commissioned by dvm360, from April 19-June 9, 2022
I recommend Trupanion to all our family and friends with dogs as we are very happy with Trupanion. I have never been disappointed with the information I have been given to my questions. The staff at Trupanion is always professional and courteous.
I bought this insurance in 2025 for my new golden retriever puppy, June. Today, June had to go in to be treated for an ear infection. The claim, for a total of $326.61, was denied because apparently an ear infection is a "pre-existing condition". It's true, she had a a little ear infection as a puppy, but because of that she can apparently never be treated for this condition again. For anyone that owns dogs, they know this is ludicrous. Calling this a pre-existing condition is like saying swimmer's ear, or the flu, is a pre-existing condition in children. I've never posted a review on Trustpilot, but this would seem to be an instance where the issue really is one of trust. Denial of a small claim on the first claim, while Trupanion has comfortably collected premiums of around $90 a month since 2025, gets right at the trust issues consumers have with these sorts of programs. She does not have allergies, so the denial argument lacks credibility. Since Trupanion's Trustpilot rating sits prominently on their website, I see many people trust them. Their young dogs must not get ear infections. Go figure. I was going to appeal the claim, but was told by Michelle, the chat representative, that appeals take 4-6 weeks and require a form. They also wanted the vet to call and make the argument in support of the appeal. It took seconds for Trupanion to systematically deny this relatively small claim, but they require 30-45 days to appeal. After which the answer would undoubtedly be the same, and only my vet and I would have to deal with the service work and distraction. It's not worth it. Easier to cancel, and find a company that can be trusted to support us if something serious actually happened to June. I cannot emphasize enough how disappointing this experience was. Michelle, the chat representative seemed nice, but unfortunately for her the script she had to follow for this one just made my perception worse. Trupanion failed to meet even my most generous expectations here, and honestly I'm sorry that's the case. I had heard good things.
Tru panion is the best pet insurance in my opinion, they always get things paid back in a quick timely manner!! They’re always so polite and helpful with answering all my questions and concerns !! Thank you so much ! You lessen so much stress when things get tough with our fur babies!
My dog, Teddy, needed surgery.
He had the procedure at Blue Pearl. The process was seamless. Blue Pearl submitted their invoice. Trupanion approved it in minutes, and I only needed to pay my portion of the bill…….
Very easy, and I was so thankful we have coverage!
This was our first experience with dog Insurance. Definitely worthwhile! Our six-year-old lab had to have a tumor removed and insurance covered all but the deductible. Extremely grateful.
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.
Coverage
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.
Deductible
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.
Exclusions
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 AmericanPetInsurance.com 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
