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 9.4 9.5 9.2
Count 28 1494 8016

Trupanion

10
Out of 10
Recommended
Insurer: Trupanion
Posted: 12/26/2018
By:
Farrell Hannah

More than seven years ago I researched health insurance plans for our Standard Manchester Terrier even before we acquired her as a new puppy. As it quickly appeared to stand out above the other companies at that time, we promptly registered with Trupanion...

Injury/illness

Skin problem

Renal (kidney)

Thyroid

Claim Amount
Over $1000
Breed

Manchester Terrier

Age of Pet
10
Out of 10
Recommended
Insurer: Trupanion
Posted: 12/21/2018
By:
LD

This might be long winded, but I just want to tell a few examples of how great my experience has been so far with trupanion. I have done alot of research before getting insurance for bear, and trupanion came out on top by far in every aspect. By the age...

Injury/illness

Cancer

Torn CCL. TPLO surgery
Claim Amount
Over $1000
Breed

Rottweiler

Age of Pet
Under a year
10
Out of 10
Recommended
Insurer: Trupanion
Posted: 12/12/2018
By:
Mark

My vet submits the claim on my behalf while I wait. Response is quick. Very easy. Pre-approvals have also been quick so I have the financial info when I need it most to make decisions. My girl is getting older and has developed some issues. I’m so glad to...

Injury/illness
Claim Amount
$500 - $1000
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10
Recommended
Insurer: Trupanion
Posted: 12/12/2018
By:
Mark

My vet submits the claim on my behalf while I wait. Response is quick. Very easy. Pre-approvals have also been quick so I have the financial info when I need it most to make decisions. My girl is getting older and has developed some issues. I’m so glad to...

Injury/illness
Claim Amount
$500 - $1000
Breed

Mixed Breed

Age of Pet
Over 8 years
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.