Trupanion pets lead longer happier lives.1 Pets insured with Trupanion lived longer than pets without Trupanion because pet parents didn’t have to worry about the cost of the care their pet needed. Depending on the plan Trupanion covers up to 90% of eligible expenses, has unlimited payouts-always, and can pay your vet bill, within seconds, at time of checkout, so all you pay is your portion (anything not covered by Trupanion). They have transformed the way pet insurance handles claims by eliminating the reimbursement process.
Trupanion was founded in Canada and provides bets-in-class coverage and is dedicated to helping pets we love get the care they need. They’ve been around for more than 20 years, making them experts and setting standards for the industry. One perk of this, and what they pride themselves on, is the amount they pay out to pet owners for each claim. Paying out more on the dollar than any other pet insurance provider. To date they have paid out $2 Billion in claims and have insured nearly 1 million pets.
To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month.
1Based 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.
*Terms and conditions apply. Please view your sample policy for complete coverage details.
Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Administered in Canada by Canada Pet Health Insurance Services, Inc. dba trupanion and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Please visit AmericanPetInsurance.com to review all available pet health insurance products.
I’m extremely disappointed with the inconsistent and misleading practices of this company. My pet’s condition has been covered multiple times in the past, and I’ve successfully appealed similar denials for the same diagnosis and treatment. Despite this clear history of coverage, my most recent claim was inexplicably denied. This inconsistency shows a lack of integrity and reliability. It appears the company prioritizes avoiding payouts over honoring its own policies or supporting pet owners who depend on them.
My cat had to go to the vet due to blockage. It was a tremendously stressful week… he had to go to the vet Wednesday and Thursday. Then the animal hospital Friday and my cat had to be watched overnight. Trupanion made a terrible situation better by quickly clearing 3 claims made that week, on the spot at the clinics. I only had to pay a 1/3 of the vet bills. He is now home and healthy!
5
out of 5
POSTED:
| BY: E Tran
Thank you Trupanion
My cat had to go to the vet due to blockage. It was a tremendously stressful week… he had to go to the vet Wednesday and Thursday. Then the animal hospital Friday and my cat had to be watched overnight. Trupanion made a terrible situation better by quickly clearing 3 claims made that week, on the spot at the clinics. I only had to pay a 1/3 of the vet bills. He is now home and healthy!
1
out of 5
POSTED:
| BY: Kimberley Lynch
Trupanion: Legalized Theft Disguised as Pet Insurance
Trupanion: The Most Dishonest Pet Insurance Company You Could Ever Choose
Trupanion is an absolute nightmare of a company — a textbook example of how to exploit loyal, trusting customers under the guise of compassion.
For years, I paid my premiums faithfully — through every increase, every renewal, every promise that I was “doing the right thing” for my pet. I believed their slick marketing about being transparent, fair, and different from other insurers.
But when it came time to actually file a claim, Trupanion showed their true colors: greedy, deceptive, and completely unethical.
They cherry-picked one misleading sentence from a single vet’s note, ignored the rest of the medical record, ignored every other professional opinion, and then denied my claim outright. No call for clarification. No effort to verify facts. No compassion. Just cold corporate indifference.
Then they pulled their favorite trick — labeling it as a “pre-existing condition.”
Here’s the problem: my pet met none of the requirements for that label under Trupanion’s own policy definitions.
They simply used it as a catch-all excuse to deny payment, because it’s cheaper to accuse you of violating a term than to actually pay what they owe.
Trupanion’s entire model is built on profiting from loyalty and ignorance. They’ll happily take your money for years, but the moment you file a claim, they’ll weaponize fine print and distort your pet’s medical history to justify a denial.
To anyone considering Trupanion: don’t just take my word for it — go read their Better Business Bureau (BBB) complaints.
You’ll see page after page of customers describing the exact same nightmare: years of premiums paid, legitimate claims denied, and “pre-existing condition” excuses that don’t match their own policies.
It’s not just me — it’s a pattern.
Trupanion isn’t “coverage.” It’s a corporate con disguised as pet insurance.
They don’t protect pets — they protect profits.
If you care about your animal and your sanity, run — don’t walk — away from Trupanion.
Their coverage isn’t worth the paper it’s printed on, and their compassion ends the moment your pet needs them most.
Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.
Coverage
One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice.
To view a full list of inclusions and exclusions, check out our sample policy here.
Payout Limits
Unlimited lifetime payouts on eligible conditions with no payout limits-ever.
Deductible
You can choose your deductible from $0 – $1000, in $5 increments, to fit your budget.
Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for an eligible condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.
Age Limits
All pets under 14 years old can enroll.
Once enrolled, pets stay insured regardless of age.
Waiting Period
Accidents: 5 days
Illnesses: 30 days
Other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.
Exclusions
Trupanion was developed to protect you and your pet from unexpected illnesses and injuries. That means we don’t cover “predictable” care costs that you can plan ahead for, like:
Examination fees
Wellness and preventive care
Elective, or cosmetic procedures
Sales tax, where applicable
Like all pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early!
*Terms and conditions apply. Please view your sample policy for complete coverage details.
Trupanion was founded in 2000 with the goal to help pet owners plan for the unexpected and take the cost out of the care equation. They believe that the pets—and the veterinary professionals who help them—deserve better. That’s why Trupanion is a proud member of the North American Pet Health Insurance Association.
Our members know we’re ahead of the pack, because there’s pet insurance—then there’s Trupanion:
24/7/365 Member Support—yes, even on holidays
20+ years of experience
$2 Billion paid in claims
Over 800,000 pets protected
Unlimited Payouts
The only provider that can pay your veterinarian directly at checkout*
Accepted everywhere in the USA, Canada, Puerto Rico, and Australia
* At participating hospitals
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
