Trupanion US | Pet Insurance Review


out of 10

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Only Trupanion can say that the pets we insure lead longer, happier lives.1 Pets can be full of surprises—so their insurance coverage shouldn’t be. That’s why Trupanion is dedicated to helping the pets we love get the care they need. The Trupanion policy was designed by veterinarians to protect cats and dogs like yours by taking cost out of the care equation. When your furry family member is sick or hurt, the last thing you want to worry about is affording the treatment they need. That’s why Trupanion is the only provider who can review, approve, and pay your claim direct to your veterinarian at the time of checkout.* No more juggling credit cards and no more waiting for reimbursement. Your pet gets treated, you pay your portion, and go. We take care of the rest. 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. Coverage may vary by state. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Express. Trupanion is a registered trademark owned by Trupanion, Inc.  Underwritten in the United States by American Pet Insurance Company and in Canada by Omega General Insurance Company.

out of 10

POSTED: | BY: Alex Miles

Excellent, but pricey

I had our old Samoyed dog insured with Trupanion and was very happy I did. Wish I could have afforded it for all my pets. Maybe one time in six they mistake something for a new illness and apply the deductable again but this has always been easily sorted out. Sometimes the connection between illnesses isn't obvious - especially as different vets and hospitals will explain the same problem in different ways ('cervical neuopathy' is the cause of 'walking difficulty' etc., not two different things.) They paid thousands without blinking. Must be at least $10k. Well worth it. MRIs, stem cells, gastric torsion surgery. He had better healthcare than I did. We are currently stuck with Figo for six pets. No claim they can't turn into a complete nightmare disaster. With Trupanion you get a diagnosis and your worries are over. With Figo your pet gets sick and your troubles are just beginning.

out of 10


Best response and concern for furbabies

Three Pekingese chose us as their parents and we wanted any catastrophic event covered.All three have been covered for four years. Abby - neck surgery and recovery $6000 Harry - herniated disc surgery - over $12,000 Magoo -liver disease and seizures $5000 and on going monthly expenses. Trupanion has been and is there for us. No words can express our comfort!

out of 10

POSTED: | BY: Debora shaw

Trupanion is a blessing

Having insurance with Trupanion has been a blessing . My little Sophie hads been so sick . I have been under a lot of stress . Been dealing with a lot of surgeries for 18 months . Not worrying about the the bills has taken a huge weight off my shoulders . What a like about this insurance is that there is no gap on pay out . And they pay within a week .

out of 10

POSTED: | BY: Michelle

I tell everyone to go to Trupanion

I truly don't have a single complaint. I can't say it's the cheapest insurance but as they say, you get what you pay for. I insured my fur-baby days after she came home. She was diagnosed with a liver disease a mere 2 months later. Trupanion paid for everything as promised, fast and without any arguments about what was covered or not. They continued to do so test after test, procedure after procedure. They checked in on her. They fixed errors in reimbursement almost the second they were identified. Best of all, they didn't increase my rates exponentially because I dated to use the insurance I purchased. I have not been let down by Trupanion yet. As her disease progresses, I know I can at least have one less thing I need to worry about and I couldn't be more grateful. It's heartbreaking enough without having to think about the financial component.

out of 10


Worth the extra money

Was hesitant about getting insurance for my dog. Have never needed in the past and figured what the hell. What made my select these guys is the pay out with no limits. I got to put it to the test 8 months in when my pup ate two large socks and had a minor obstruction. $3500 later I get a check for 90% -$500 deductible. Currently I am using the insurance monthly due to allergies my golden has. Everything from his bathing supplies and medication and shots are all covered. I would not hesitate getting insurance again has saved me a boat load.

Monthly Cost

Your monthly rate is determined by multiple factors, including your pet’s species, breed, age at the time of enrollment, and gender. Other factors include what deductible amount, if any, you choose and the average cost of veterinary care in your area.  


The Trupanion policy pays 90% of the bill for all covered expenses once your deductible is met. Plus, we cover:

  • Hereditary conditions (like hip dysplasia, diabetes, etc.)
  • Congenital conditions (like heart disease, cataracts, or liver disease)
  • Unidentified conditions (like vomiting or diarrhea, cough, sudden weight changes, etc.) and the diagnostic tests needed to identify them

We also offer a Recovery and Complementary Care rider to expand your policy to include additional treatments like:

  • Acupuncture
  • Chiropractic Care
  • Hydrotherapy
  • Physical Therapy
  • And many more

Payout Limits

The Trupanion policy* has no payout limits, so whether your furry best friend 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.



Customize your deductible to fit your budget, from $0 to $1,000. You can choose to lower your deductible within the first 30 days of enrollment, or increase it at any time.

Plus, Trupanion policy deductibles are per-condition and good for the life of your pet. That means no annual resets—once a deductible is paid, it stays paid. Forever.


Age Limits

All cats and dogs under the age of 14 can enroll.

Birthdays are for celebrating; so unlike other providers, we don’t factor getting older into your pet’s rate. If you enroll your cat or dog at 6 weeks, they’ll always be 6 weeks—and priced like a 6 week old—in our eyes.


Waiting Period

  • Accidents: 5 days
  • Illnesses: 30 days

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, preventive, elective, or cosmetic care
  • Sales tax, where applicable

Like all 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 Express.


Trupanion was founded in 2000 with the goal to take cost out of the care equation. We believe that the pets we love—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 Member Support—yes, even on holidays 20+ years of experience Over $1 Billion paid in claims Over 600,000 pets protected Unlimited Payouts The only provider that can pay your veterinarian directly at checkout* Accepted everywhere in the USA, Canada, and Australia * At participating hospitals

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