Trupanion Pet Insurance 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.

Learn more about Trupanion's plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.  

Average customer rating

9.5 Out of 10
60 Days 1 Year Lifetime
Rating 9.4 9.6 9.5
Count 205 4583 18550

Trupanion US

9
Out of 10
Insurer: Trupanion US
Posted: 05/01/2015
By:
Kathleen Specht

I come from a family of people who have always believed in insurance. It was a no brainer to get put insurance on my golden retriever when she was three months old for those just in case situations. When she got very sick a few weeks, it was great not...

Injury/illness
Allergice reaction
Claim Amount
Over $1000
Breed

Golden Retriever

Age of Pet
1 - 8
7
Out of 10
Insurer: Trupanion US
Posted: 04/30/2015
By:
Sherry Wonitoy

This was the first direct billing that my Vet had done.The original estimate was between $1300.00 - $2000.00.It included a blood test to make sure that there would be no complications with our Morkie and the anesthetic.This was approved by Trupanion. The...

Injury/illness
Patellar Luxation Repair
Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
Under a year
10
Out of 10
Insurer: Trupanion US
Posted: 04/30/2015
By:
Roman

Claim was very simple to submit. I didn't have to personally submit anything other than the invoice and simple claim form. They processed and approved claims very quickly, one on the same day, and I received reimbursement a few days later.

Injury/illness
lumpectomy
Claim Amount
$100 - $500
Breed

Chihuahua

Age of Pet
1 - 8
10
Out of 10
Insurer: Trupanion US
Posted: 04/29/2015
By:
Jennifer Furlong

We took our puppy in on a Friday Eve and we submitted our claim that evening. It was approved by the morning and we were able to receive his treatments. It was so fast and hassle free.

Injury/illness

Skin problem

Claim Amount
$100 - $500
Breed

Mixed Breed

Age of Pet
Under a year
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.