Trupanion makes things simple by offering one plan that pays 90% of actual veterinary costs for eligible claims once the deductible for that condition is met. They are the only provider that has the option to pay your veterinarian directly and can do so in 5 minutes or less, you simply take care of your portion and Trupanion will work with your veterinarian to pay the remainder.

Average customer rating

9.5 Out of 10
60 Days 1 Year Lifetime
Rating 9.6 9.6 9.5
Count 236 4083 11552

Trupanion US

10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 12/11/2018
By:
Richard Clouthier

Trupanion has been a huge help in paying my dogs' vet bills! There has never been any problem with coverage!

Injury/illness

Ear Problem

Lip fold infection and subsequent surgery, gingivitis
Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 12/11/2018
By:
Kathleen Hanviriyapunt Sison

My questions about which policy and add-on options to select were answered thoroughly over the phone by someone who could cite examples of hypothetical cases I could encounter. My pet is just a puppy, so I am keen to take advantage of a lower price on...

Injury/illness
Claim Amount
Under $100
Breed

Mixed Breed

Age of Pet
Under a year
10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 12/11/2018
By:
Haley Simons

I never had to make the decision between paying $15,000, or my cat’s life. At 12 years old, and well past his nine lives quota, Raffi has rallied from the brink, to enjoying great health- all because of Trupanion’s 90% coverage of his medical expenses.

Injury/illness
Diabetes
Claim Amount
Over $1000
Breed

Domestic Shorthair

Age of Pet
Over 8 years
10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 12/11/2018
By:
josh bloom

Excellent coverage for my dog's illness. When I bought the insurance I wasn't really sure if they would cover should a big problem occur. Well, a big problem did come along and Trupanion kept it's end of the bargain. They've paid for everything they...

Injury/illness
seizure, Lar Par, diabetes
Claim Amount
Over $1000
Breed

Mixed Breed

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, 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.

 

Coverage

90% coverage for all new injuries and illnesses—once the deductible is met, Trupanion pays 90% of the remaining invoice.

Coverage for all hereditary and congenital conditions, as well as hip dysplasia without any additional waiting periods.

Alternative therapies, such as acupuncture, physical therapy, hydrotherapy, are available under the Recovery and Complementary Care Rider.

There is no coverage for travel costs to a veterinary practice or hospital or for house visits from your veterinarian.

There is up to $100 coverage for cremation if death is a result of an accident and the optional Pet Owner Assistance Package has been selected.

Trupanion pays off the invoice, up to “usual & customary” limits and has the ability to pay your veterinarian directly and in as little as 5 minutes. You simply pay your portion at check-out and Trupanion works with your veterinarian directly to take care of the rest.

Payout Limits

Unlimited lifetime coverage with no 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".

 

Age Limits

The Trupanion policy allows you to enroll your pet from birth for true lifelong coverage. All cats and dogs under 14 years of age are eligible to enroll for lifelong coverage.

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).

 

Trupanion’s biggest differentiator is that they can pay your veterinarian directly and in as little as 5 minutes. With the vet direct pay option, there is no waiting weeks for reimbursement. You simply pay your portion of the bill and Trupanion takes care of the rest, working directly with your veterinarian.

Trupanion offers one simple plan that pays 90% of actual veterinary costs for eligible claims once your deductible for that condition is met and offers unlimited lifetime coverage with no payout limits or caps.