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 6.8 9.5 9.2
Count 18 1383 8282

Trupanion

1
Out of 10
Insurer: Trupanion
Posted: 02/25/2019
By:
Kimberly Pardy

I enrolled my dog at my vet on a free 30 day trial. It had a $250 deductible. My dog had an injury and I had to use the insurance during the trial period when the deductible was the default $250. After I signed up at the end of the period, i increased the...

Injury/illness
muscle tear and 2nd was a small mass removal
Claim Amount
Over $1000
Breed

Labrador Retriever

Age of Pet
1 - 8
8
Out of 10
Recommended
Insurer: Trupanion
Posted: 02/25/2019
By:
JG

Trupanion is outstanding in some ways. My dog tore her ACL in both back legs (at different times) and they paid 90% of the surgery, all meds, and post op rehab. They cover chiropractic and laser therapy. Wonderful! However - my dog has allergies that are...

Injury/illness

Skin problem

Claim Amount
Under $100
Breed

Catahoula Leopard

Age of Pet
1 - 8
10
Out of 10
Recommended
Insurer: Trupanion
Posted: 02/23/2019
By:
Caroline

We have had Siri insured with Trupanion since he was a puppy (he’s now 12), and had only made two previous small claims, for minor injuries. I will admit I was nervous about this claim, because it was for a LARGE amount, and costs are likely to be...

Injury/illness

Cancer

Claim Amount
Over $1000
Breed

Australian Shepherd

Age of Pet
Over 8 years
2
Out of 10
Insurer: Trupanion
Posted: 02/18/2019
By:
Thomas Ketcham

I’m not happy at all with the service I was provided . I put claim in back in May of 2018 . They just got to processing it . I called them at least 4 times about my claim . They stated we never received a claim untel Dec 2018 . They just go around...

Injury/illness

Gastritis/vomiting

Claim Amount
$100 - $500
Breed

Labrador Retriever

Age of Pet
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.