Trupanion | Pet Insurance Review


out of 5

Number of reviews 60,331

  • 60 Days
  • 1 Year
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  • 4.7
  • 4.9
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  • 496
  • 60,331

Updated: May 29, 2024

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: Sharon Scott

15 Years of Great Coverage on 2 Very Ill Dogs

I've had Trupanion coverage on five dogs over 15 years. This year I lost my two elderly fur babies. Both dogs had expensive medical care in their latter years. Rhett had two knee replacements and was diagnosed with atypical Cushings and a heart murmur. He saw a cardiologist and internal medicine specialist in addition to his regular vet. Colt had an opthalmologist (he became blind at age six), a cardiologist, an internal medicine specialist and, in the end, an oncologist after lymphoma diagnosis. Both had the best of care due to Trupanion's coverage and miraculously lived to be over 14. Trupanion pays quickly and the rare times I've asked for a reevaluation on a denied claim, it was either paid or I understood why it wasn't covered. I highly recommend them! I wish rates didn't have to go up, but the vet bills can be gigantic and paid off for me in the many, many tens of thousand dollars I was reimbursed.

out of 5

POSTED: | BY: Shabri

I’m extremely upset with Trupanion

I’m extremely upset with Trupanion! They are refusing to pay for 3 extractions my dog had to have today. They claim that because we didn’t do a dental cleaning in time they will not pay up for the extractions which have absolutely nothing to do with the dental cleaning. I have been paying for this insurance from when my dog was 10 weeks old and these are the times we pay into insurance so that we are helped during expensive procedures. We only got to know the molars had to be pulled out today and 1 dead tooth…. Nothing to do with dental cleaning. They refuse to pay. I do not recommend them… I’m very very disappointed!

out of 5

POSTED: | BY: Jane

My puppy was diagnosed with Angular…

My puppy was diagnosed with Angular Limb Deformity on both front legs. Trupanion delivered on everything they promised in the contract. Representative are also amazing...extremely friendly. knowledgeable, supportive. helpful and kind. They answer the calls within seconds.

out of 5

POSTED: | BY: Rick & Patti

Trupanion helped, but BEWARE OF PREMIUM INCREASE

Trupanion helped save our dachshund from paralysis by making the cost of surgery possible for us. We have had Trupanion on our boy for almost 5 years. I reviewed a Trupanion pamphlet at the vet’s office. It stated in the pamphlet that the premium would not increase after a claim. THIS IS NOT TRUE! Four months after surgery, we were notified that the premium for his insurance will almost double, effective in two months! We’re grateful to Trupanion for their help in an emergency, but people need to know that their premiums will increase significantly after a claim.

out of 5

POSTED: | BY: customer

Easy to communicate and understand

Easy to communicate and understand

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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