Trupanion | Pet Insurance Review


out of 5

Number of reviews 60,188

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.0
  • 4.8
  • 4.8
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  • 10
  • 1048
  • 60,188

Updated: November 13, 2023

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: Linda Feferman

Quick & Easy

These people are extremely fast to reply (often overnight) , submissions are easy, and coverage is excellent.

out of 5

POSTED: | BY: Brent

We have been a customer of Trupanion…

We have been a customer of Trupanion for about 7 years plus. They were originally recommended to us by our breeder and she gave glowing reviews. We were happy with our choice until a year and a half ago when we added a new member to our family. It first started when we called to sign up our newest addition. We were given an astronomical quote and a no deductible plan and told they had changed their plan due to overwhelming feedback from there customers. As we later found out, that was one of many lies they will use to justify their business model shift. Just recently we called to cancel our policy and move to another provider. During this process we were passed along to a "Customer Service" rep. The sole job of this individual was to see what they could do to make us stay and that is when we were told about customers leaving due to their heavy handed new plan and policies. We are still in the process of pealing the onion and deciding if we are going to stay with Trupanion and their unethical business practices. I really feel like their should be a complaint submitted to the state insurance regulating agency as their explanations and logic for rate increase, policies, and other anomalies don't add up...

out of 5

POSTED: | BY: Melody

Wow! Trupanion paid $$$$

Wow! Trupanion is reimbursing me for my dog’s very pricey knee surgery! $5k!!! I am so grateful. A friend recommended Trupanion when I first got my English Bulldog. I have been amazed by the ease of submitting claims through the app and it doesn’t take forever for Trupanion to review. If they need more information, Trupanion will call the vet or animal clinic. Trupanion customer service is always nice and helpful. I will definitely get Trupanion again for my next dog.

out of 5

POSTED: | BY: Wayne Osenga

Trupanion's website answered all of my questions.

The Trupanion website made getting all of the answers to all of my questions simple and easy to understand. When I actually enrolled my pet I knew exactly what I am getting. Well done!!

out of 5

POSTED: | BY: Vicky Fiskus

Great experience adding our new puppy…

Great experience adding our new puppy to a existing plan.

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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