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 9.7 9.7 9.5
Count 83 3668 12225

Trupanion US

10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 02/10/2019
By:
Kim Goddard

I'm so happy to have this insurance. Leon and I got together when he was 7. He turns 15 this week! We were playing in the snow one day, and he just all of the sudden, he shot off into the street traffic, chasing a car and barking. I'd never seen him...

Injury/illness
Claim Amount
Under $100
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 02/08/2019
By:
Maria Dunn

Have had Trupanion since we adopted Belle, did not need insurance until last year when she broke a tooth and required extraction and again this year with a bad case of HGE. Love the ease of claim filing, quick turnaround with claim summary emailed within...

Injury/illness

Gastritis/vomiting

Enteritis/diarrhea

Claim Amount
$500 - $1000
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Insurer: Trupanion US
Posted: 02/06/2019
By:
Virginia Stevens

My Gracie is a boxer mix. I've had her since she was 3 weeks old as a foster pup and was offered pet insurance when I adopted her. It wasn't Trupanion. I researched insurance policies and decided to try Trupanion, that was 7 years ago; 3 surgeries and one...

Injury/illness
TPLO
Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
1 - 8
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.