Trupanion Pet Insurance provides “medical insurance for the life of your pet” with any veterinarian in the United States, Canada, and Puerto Rico.

Trupanion features Vet Direct Pay, which pays claims directly to participating providers in as little as five minutes. This benefit prevents you from having to fill out extensive claim paperwork or wait to be reimbursed.

Pet Insurance Policy Coverage

A Trupanion Pet Insurance policy also pays 90% of eligible costs without caps or limits. They also do not automatically increase rates as your pet ages.

Some companies may drop coverage when a certain number of claims are filed, but Trupanion has no limits on claims. Additionally, their coverage does not discriminate based on age and has a standard waiting period at enrollment of only 30 days.

A unique feature of Trupanion’s policies is a lifetime per-condition deductible. Rather than a single deductible for a year that covers all eligible issues, you pay one deductible for a given condition over the life of your pet. This feature can be especially beneficial for pets who develop chronic medical conditions.

Coverage from Trupanion focuses on the unexpected, so wellness/preventative care, spaying/neutering and pre-existing conditions are not covered. The unexpected, however, is covered at 90%.

Deductibles & Enrollment

Trupanion has a wide range of deductibles to choose from, including the option not to have a deductible at all. This means a pet owner can choose from hundreds of price options to pick what works best for their budget. 

The Trupanion pet insurance policy allows you to enroll your pet from birth for true lifelong coverage.


Learn more about Trupanion's pet insurance options, read thousands of Trupanion reviews and get a quote so you can make an informed choice about your pet insurance provider.

Average customer rating

9.5 Out of 10
60 Days 1 Year Lifetime
Rating 9.6 9.6 9.5
Count 1695 9462 27465

Trupanion US

Out of 10
Insurer: Trupanion US
Posted: 09/28/2020
Jennifer Brenton

The deductible i paid for the recent incident was $700, which in my opinion, is much too high. Apparently, I could have reduced my deductible within 30 days of signing up to Trupanion, but i was unaware of this. Beware of the way too high deductibles!!!

Claim Amount


Age of Pet
1 - 8
Out of 10
Insurer: Trupanion US
Posted: 09/25/2020
F Douglass

Trupanion paid ~$30,000 to help us give our Coco the healthiest, longest and happiest life. Because of Trupanion we were always able to tell our vet to please "treat her as if she was your own"! When she needed a $12,000 surgery, we didn't have to even...

Claim Amount


Age of Pet
Over 8 years
Out of 10
Insurer: Trupanion US
Posted: 09/23/2020

On our most recent claim, there was a treatment that was not covered under our policy. When I went to reference our policy, this was not clearly stated under exclusions. When I reached out to the insurer to understand where I might have been informed...

Claim Amount


Age of Pet
1 - 8
Monthly Cost

Monthly cost varies due to multiple factors including: your pet's breed, age at enrollment and gender and the chosen deductible and the cost of veterinary care in your area.

Monthly premiums do not automatically increase just because your pet has a birthday or just because you file a claim. Premium changes over time are due to changes in the average cost of care for pets similar to yours based on claims made and inflation.



90% of eligible expenses are covered with all Trupanion policies (after deductible).

All plans cover:

  • Hereditary conditions (i.e. hip dysplasia, diabetes, etc.)
  • Congenital conditions (i.e. heart disease, cataracts, liver disease, etc.)
  • Unidentified conditions (i.e. vomiting/diarrhea, cough, change in weight, etc.)

Additional riders offer coverage for:

  • Recovery and Complementary Care (acupuncture, chiropractic, physical therapy, etc.)
  • Pet Owner Assistance (boarding costs if you are hospitalized, advertising a lost pet, etc.)

Plans do not cover:

  • Exam fees
  • Wellness, elective and cosmetic care
  • Taxes
  • Pre-existing conditions
Payout Limits

Trupanion offers unlimited lifetime coverage without payout limits or caps.



Offers a flexible deductible from $0 - $1000, to fit any budget and can be raised or lowered at any time.

A lifetime, per condition deductible means that once the deductible is met for a condition your policy begins paying out at 90% for anything related to that condition for the rest of your pet's life. *Trupanion say:"This is great for chronic conditions that can span the entirety of a pets life such as allergies or cancer".

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Age Limits

The Trupanion policy allows you to enroll your pet from birth until their 14th birthday.

Once enrolled, pets stay insured regardless of age and coverage will not change.


Waiting Period

There is a 5-day waiting period for accidents and 30 day waiting period for illnesses.

No additional waiting periods for hip dysplasia, only the standard 30 days.



Examination fees and pre-existing conditions are not covered. 

Wellness, preventative, elective, or cosmetic care are not covered. 

Sales tax (where applicable).


Established in 2000, Trupanion’s staff is made up of veterinarians, vet techs and pet owners. The company provides 24/7 customer care.

Trupanion is a certified member of the North American Pet Health Insurance Association since 2007.  As a NAPHIA member, Trupanion shares information, supports animal welfare organizations and works with federal and state regulators.

The Trupanion pet insurance policy offers a straightforward plan that covers 90% of the cost incurred due to any accident or illness, as long as it isn’t related to a pre-existing condition. Other features include;

  • No per incident or lifetime caps.
  • 24/7 customer service and support. Including holidays.
  • The industry-first ability to pay veterinarians directly and electronically, which means you don't have to wait for reimbursement. 

With the most flexible pricing options and unlimited payouts on new injuries and illnesses, Trupanion is there to help you give your pet the best. Trupanion's superior customer service and nearly $1 billion paid out in claims make it one of the best choices on the market.