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 8.7 9.6 9.5
Count 84 4729 15815

Trupanion US

10
Out of 10
Insurer: Trupanion US
Posted: 06/05/2013
By:
Christine Richardson

Absolute best pet insurance out there! I could not be happier with their customer service and underwriting staff in covering the care needed for my 15 yr old dog's brain tumor, they really went above and beyond. Claims were processed really quickly and...

Injury/illness

Cancer

Brain Tumor
Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10
Insurer: Trupanion US
Posted: 06/04/2013
By:
Gary Raggio

Always on time with getting back to us, excellent at keeping us up to date on claim progress, extremely timely throughout process.

Injury/illness
vaginitas
Claim Amount
$500 - $1000
Breed

Siberian Husky

Age of Pet
1 - 8
10
Out of 10
Insurer: Trupanion US
Posted: 06/03/2013
By:
Cindy Wire

Trupanion has given quick, efficient and caring customer service. Their reimbursement arrived much more quickly than I anticipated. They return calls and emails almost immediately. I have been very satisfied with this company. They are always easy to...

Injury/illness
Problem with legs.
Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
1 - 8
9
Out of 10
Insurer: Trupanion US
Posted: 06/03/2013
By:
Sukanya Banerjee

I am very happy with Trupanion. They take very little time to process the claims at the same time their premiums are also very affordable

Injury/illness

Eye problem

Skin problem

IMHA
Claim Amount
Over $1000
Breed

Shih Tzu

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.