Trupanion | Pet Insurance Review


out of 5

Number of reviews 57,922

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.8
  • 4.9
  • 4.9
  • Count
  • 95
  • 6259
  • 57,922
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: Kristen Ingalz

Kind and Considerate Service. No Runaround. 8 years and Counting!

I signed my rescue dog up for a policy with Trupanion when I adopted him eight years ago. I also recently signed my certified service dog up for a policy last month. I have had such good experiences with Trupanion for my first dog, that I didn't hesitate to contact them again when I received my service dog. Yesterday I had a question about how Trupanion covers or doesn't cover services specific to my dog's needs as a service animal. She is my walking eyes, and while regular, for example, eye exams not necessitated by an injury may not be covered, I wondered if they would in the case of a service animal. Mindi, the customer service representative didn't have an immediate answer for me, but she put me on hold and got an answer right away. I am proud to be a customer of a company that provides considerate and prompt service to its customers and their pets. There are no phone games. If you have a concern best answered by your vet they will call and work it out on your behalf. Simply wonderful. That's it, really.

out of 5

POSTED: | BY: Veronica M

I decided to get pet insurance for my…

I decided to get pet insurance for my healthy but getting older dog - researched for a couple of weeks and came to appreciate that Trupanion was the best option for many reasons. I polled fellow dog owners who agreed. Signed up on May 21st and on May 22nd my pet had a totally unexpected freak medical emergency and passed away. I had the weird experience of having to call and cancel the policy. Trupanion could not have been kinder or more considerate. I was refunded my initial payment for the first month without me asking or expecting that consideration and sent a condolence note. Would definitely reccommend and use again.

out of 5

POSTED: | BY: customer

This service is too expensive which is…

This service is too expensive which is why I waited so long to get it.

out of 5

VETERINARIAN: Sharon Veterinary Clinic

POSTED: | BY: Cathy Swails

Trupanion Claim

We’ve only had to submit a couple of insurance claims for our 6 year old fur baby over the 6 years. Reimbursement claims are easy to submit. Trupanion responds quickly with an itemized invoice explaining their coverage. Reimbursement is received in a prompt manner. We are very pleased with the quality and care of Trupanion pet insurance.

out of 5

POSTED: | BY: Lisa DeGulis

I’ve had Trupanion for 12 years and…

I’ve had Trupanion for 12 years and they’re wonderful. Claims are easily submitted and paid quickly. So glad I have them for my Benni

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, Trupanion will reimburse up to 100% of all eligible expenses. Trupanion covers an extensive list of all new, unexpected accidents and illnesses. They will never limit the number of claims you can submit each year or for a specific condition. You can count on Trupanion year after year for some of the best and comprehensive coverage for your pet.

Some examples of what they cover are hereditary, congenital, and chronic conditions, diagnostic tests, emergency care, prescribed medications and supplements, and more.

There are three additional riders to give you even more coverage, if not already included in your states core plan: Recovery and complementary Care, Pet Owner Assistance, and 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.
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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