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: Austin

Very nice and helpful representative

Very nice and helpful representative. Love how easy it was to setup.

out of 5

POSTED: | BY: Rex Perry

A little early to give an opinion on…

A little early to give an opinion on the purchase experience but so far, it has been fine. The dog, Anna, has not suffered any trauma and hopefully will not in the near future. If that happens, I will be in a better position to give you an honest opinion.

out of 5

POSTED: | BY: Simba's Mom

The representative answered all my…

The representative answered all my questions very thoroughly. Guide through everything while I was on the site. Also showed loved to my fur baby over the phone.

out of 5

POSTED: | BY: Larry Starr-Karlin

I cannot recommend Trupanion

My dog spontaneously developed multiple eyelid tumors at about age 6, which were surgically removed on June 1st. Trupanion arbitrarily decided they were two separate conditions (REALLY?! What an AMAZING COINCIDENCE!) thus costing me a second $1000 deductible. They have ignored both the post-surgical lab analysis and my written appeal of July 11th, notwithstanding my numerous attempts to follow up. Despite the placating responses they post on this site, I believe that Trupanion will play these abusive games until there is a class action lawsuit or effective legislation and regulation - both of which I would be happy to support.

out of 5

POSTED: | BY: Brie Armstrong

Just do yourself a favor and go with…

When I first signed up for Trupanion, I made sure that accidents would be covered for my dog, I was insured that they would. Unfortunately, that hasn’t been the case, they’ve covered nearly none of my claims. I recently had a claim for intoxication, and they are saying that they will not cover the accident because it has happened in the past. Labeling it as “foreign body”, A foreign body is something that is stuck inside you but isn't supposed to be there. There was nothing stuck inside my dog, he ate something he was not supposed to, and was intoxicated from it. It was a completely different claim, but they still claimed it as a foreign body. Please be careful when signing up with this company, in my experience they will do whatever they can to get out of paying a claim. I never would have gone with them. If I knew these accidents were not going to be covered, it was the whole reason I got the insurance.

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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