Trupanion insured pets lead longer, happier lives*.

The Trupanion policy provides best-in-class medical insurance coverage for your pet that can be used at any veterinary hospital in the United States, Canada, and Puerto Rico – ensuring your pet is protected wherever you may be.

Trupanion is the only provider than can pay your veterinarian directly at the time of checkout. This benefit helps you from having to fill out extensive claims paperwork or wait to be reimbursed.
A Trupanion Pet insurance policy has unlimited payouts on claims. They do not increase rates for filing claims. While some providers may drop coverage when a certain number of claims are filed, Trupanion never will.

The Trupanion policy does not increase rates just because your pet ages and their policy allows you to enroll your pet from birth for true lifelong coverage for your pet.

 

*‘Based on a December, 2020 Trupanion study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy.

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.

 

Average customer rating

9.6 Out of 10
60 Days 1 Year Lifetime
Rating 9.7 9.6 9.6
Count 1573 12204 39569
10
Out of 10
Recommended
Verified

Ooodles of Poodle Gratitude!

Posted: 09/09/2021
By:
Serena
Rix

Little Bowie, a black standard poodle pup was born on July 1st (Canada Day) in a hot and smoky British Columbia. He arrived at his new home in Alberta Aug 30th and was checked on September 2nd by his new vet and proclaimed to be in perfect health. They suggested we get pet insurance (we have Trupanion for our other dog) so I signed up immediately (before I forgot). Seemed like a no-brainer.
The next evening, (Friday of a long weekend) Bowie was romping in the back yard when we noticed a limp and he was very subdued and hyperventilating. Rather concerned, we took him to the animal hospital where he was triaged immediately. Poor little guy had broken his leg and needed a splint and ongoing care.
I was certainly not expecting to make an insurance claim the day after signing up, but I am grateful to Trupanion for their help.
Having pet insurance is important when your furry friend is in need of medical attention and it is good to know that Bowie's health is in good hands.
Thank you for help!

Injury/illness
Claim Amount
Breed

Poodle - Standard

Age of Pet
Under a year
10
Out of 10
Recommended
Verified

Super responsive Trupanion team!

Posted: 09/08/2021
By:
Anne-Marie
Valero

I had several questions prior to submitting my claim. Trupanion quickly responded to them all and followed up with me to make sure I had all I needed. Everyone I interacted with made me feel like a valued customer. Refreshing!

Injury/illness
Claim Amount
Breed

Mixed Breed Small (10-20 Lbs)

Age of Pet
Over 8 years
10
Out of 10
Recommended
Verified

Trupanion is Super!

Posted: 09/06/2021
By:
Janis
Skolnick

Our breeder gave us one free month of Trupanion insurance. Having her recommend them was an excellent reference. Well, she was absolutely correct. Trupanion has great customer service. Their representatives are always so kind, understanding, and helpful.
They are a great company.

Injury/illness
Claim Amount
Breed

Miniature Schnauzer

Age of Pet
1 - 8
10
Out of 10
Recommended
Verified

Great company.

Posted: 09/06/2021
By:
Stephanie
Richman

I have recommended Trupanion again and again to all my friends. This company is AMAZING! My dog was diagnosed with diabetes and Trupanion covers the cost of the meds within DAYS of my submitting the charges. They r always helpful on the phone. Always friendly and professional. This is a wonderful company. They get my highest recommendation.

Injury/illness
Claim Amount
Breed

Havanese

Age of Pet
Over 8 years
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.

 

Coverage

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.

 

Deductible

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".

Thinking of insuring your pet?

Get Quotes & Compare

 

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.

 

Exclusions

Examination fees and pre-existing conditions are not covered. 

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

Sales tax (where applicable).

 

Terms and conditions apply, please see Trupanion.com for full coverage details.  Policy options and details vary by state, please review your state’s specific coverage.  Trupanion is a registered trademark owned by Trupanion, Inc.  Underwritten in the United States by American Pet Insurance Company.  

 

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.