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 6.7 9.4 9.2
Count 18 675 8308

Trupanion

10
Out of 10
Recommended
Insurer: Trupanion
Posted: 04/13/2019
By:
Debby Wilson

As always, my dog's claim was quickly approved. Trupanion was the best coverage I could find for both my dog's and cats. I will never be without this coverage. The worry of not having enough money to treat my babies is no longer there.

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
1
Out of 10
Insurer: Trupanion
Posted: 04/12/2019
By:
Billie Schultz

Seriously don’t use pet insurance unless you open the policy on the literal day they are born. I took my sick cat in and initially they said they’d cover 90% of the $4,000 bill I was facing and then they slapped the old “pre-existing” condition on it. So...

Injury/illness
Claim Amount
Breed

Domestic Mediumhair

Age of Pet
1 - 8
10
Out of 10
Recommended
Insurer: Trupanion
Posted: 04/11/2019
By:
Andrea

My poor kitten has had the worst luck with her teeth, and ended up needing all of them pulled before hitting a year old. Trupanion has been great, every step of the way. I'm shocked at how easy the coverage was, given how dental issues have a reputation...

Injury/illness
Claim Amount
Breed

Domestic Shorthair

Age of Pet
Under a year
1
Out of 10
Insurer: Trupanion
Posted: 04/06/2019
By:
aris

Trupanion lost my first set of claim forms (2/18/19). Their site was broken so I couldn't get information on its status, and when I called in (3/19/19) they had me resend my forms. On 3/31 I find out a claim for Dog A was mistakenly listed for Dog B, so...

Injury/illness
Claim Amount
Breed

Mixed Breed

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.