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: 03/09/2019
By:
Boulat

I have shopped around and can confidently say that Trupanion is the best pet insurance company out there. They are quick to process the claims and provide excellent customer service. Thank you.

Injury/illness
Claim Amount
$100 - $500
Breed

Chihuahua

Age of Pet
Over 8 years
1
Out of 10
Insurer: Trupanion
Posted: 03/07/2019
By:
Lori Roosa

I submitted several claims for my dog's torn ACL ( all the same injury) for cold laser therapy treatment and finally received their decision laiming it was aporoved; however they claim that the deductible was equal to or less than in the policy. So they...

Injury/illness
Claim Amount
Breed

Collie

Age of Pet
1 - 8
1
Out of 10
Insurer: Trupanion
Posted: 02/28/2019
By:
Merytre

This company offers nothing but lies. They say they pay the vet directly but they don’t tell you that it takes a while and vets won’t do the procedure/surgery without payment right then. It is very decievimg. I tried to call them to quit but they try...

Injury/illness
Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
1 - 8
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
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.