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

9.2 Out of 10
60 Days 1 Year Lifetime
Rating 6.5 9.5 9.2
Count 22 1382 8289

Trupanion

10
Out of 10
Recommended
Insurer: Trupanion
Posted: 03/20/2019
By:
Patrick

When I signed up for Trupanion I hoped that I would never have to use the insurance, unfortunately as it turns out, my dog is a bit of a lemon. Trupanion has been a life saver for me dealing with two major surgeries, they have been quick to process the...

Injury/illness
Surgery on front elbow, and then on hind knee due to arthritis and a ruptured cruciate ligament.
Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Insurer: Trupanion
Posted: 03/19/2019
By:
Susan

Our 8.5 year old Rottweiler came down with osteosarcoma. From the diagnosis to treatment to follow-up care, Trupanion has been remarkable and delivered on everything they said they would. Gold star service! Their customer service consultants are...

Injury/illness

Cancer

Claim Amount
Over $1000
Breed

Rottweiler

Age of Pet
Over 8 years
10
Out of 10
Recommended
Insurer: Trupanion
Posted: 03/18/2019
By:
Douglas Murray

All my worries about cost were unfounded...Trupanion took care of everything....Thanks Trupanion!

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1
Out of 10
Insurer: Trupanion
Posted: 03/14/2019
By:
Bill bell

Ask for ins. coverage to cover everything had a blow out on a teat got gangrene em vet surgery about to lose my baby said not covered due to breeding which was not on the policy which was in my mind should have been when I asked for everything they said...

Injury/illness
Claim Amount
Breed

Boxer

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.

Trupanion pays off the invoice, no “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 meaning that once the deductible is met for a condition is met you policy begins paying out at 90% for anything related to that condition for the rest of your pet's life. *This is great for chronic conditions that can span the entirety of a pets life such as allergies or cancer.

 

Age Limits

Pet must be at least 8 weeks old and under 14 years old to enroll.

Once enrolled, pets stay insured regardless of age and coverage will not change.

 

Waiting Period

Coverage begins 30 days after date listed on policy. 

 

Exclusions

Pre-existing conditions are not covered. 

Alternative therapies are available for an extra amount. 

 

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.