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 9.6 9.6 9.6
Count 1251 12021 40489
Out of 10

Trupanion is great

Posted: 12/02/2009

Trupaion has been great since day 1 - Have submitted one claim and extremley happy with how quickly the processed it and sent me a check. Would (and have) recommended to all of my friends and family who have pets!

Claim Amount
Age of Pet
Out of 10

Terrible Customer Service. Slow Claims Processing

Posted: 11/18/2009

I submitted the same claim 3 times to Trupanion. First by regular US mail. I never heard back. When I called to check, they had no record of the claim. Second time, the claim was faxed by the vet. Still no word. I called again and once again Trupanion claimed they never received it. The vet faxed it for the 3rd time and I finally received an e-mail that the claim was under review.
It took a total of 9 months to get them to review the claim. Half way through the process, we stopped paying our premium because of the poor service. We honestly felt like we had been duped.

When I finally heard back after the 3rd submission, they claimed they could not process it because we had not paid our premiums for the last few months, even though the INCIDENT HAD OCCURRED WHEN OUR PREMIUMS WERE UP TO DATE.

I am still haggling with them over this.


Claim Amount
Age of Pet
Out of 10

Trupanion is Amazing!

Posted: 10/19/2009

Our normally very healthy and active 1 1/2 year old English Bulldog, Dawkins, became very ill with Bronchial Pneumonia and Valley Fever.I cannot begin to tell you how wonderful the staff at Trupanion has been. They made a nightmare for my husband and I so much easier to deal with. They kept us updated on claims and paid when they stated that they would. They went above and beyond the call of duty. My husband, Mark, andI have been recommending Trupanion to all of my friends and stressing how important pet insuance is as well as with who you obtain your pet insurance from. Dawkins is doing much better and we are hoping for a full recovery. I have even addred Trupanion as my Facebook Friend.

Claim Amount
Age of Pet
Out of 10

Extremely Pleased with Trupanion

Posted: 10/13/2009

I had a 4 month old toy poodle who suddenly became sick and was diagnosed with liver failure, cause unknown. Unfortunately, she passed on 3 days later. The claim was submitted by the veterinarian and within 5 days, I was notified the claim had been approved and the check was on its way via Fed-Ex. My daughter gave me another 10 week old puppy and I immediately signed her up with Trupanion. The people at Trupanion were so kind and helpful, and I couldn't be happier.

Claim Amount
Age of Pet
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).


Terms and conditions apply, please see 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.