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 6.9 9.4 9.2
Count 19 760 8308

Trupanion

10
Out of 10
Insurer: Trupanion
Posted: 06/22/2011
By:
Kim

I was so distraught when my puppy had an accident and had to get knee surgery - it was an emotional and financial strain. But, it was so nice to know that Trupanion was there every step of the way. The customer service is first class, they are 100%...

Injury/illness
Tibial Tuberosity Avulsion
Claim Amount
Over $1000
Breed

French Bulldog

Age of Pet
Under a year
9
Out of 10
Insurer: Trupanion
Posted: 06/21/2011
By:
Scott

This was my first claim with Trupanion even though we have been insured with the for 3 years. Filing the claim was super easy. I was contacted the next day stating that they had the claim. I was notified less than a week later claim had been processed and...

Injury/illness
Torn ACL and MCL
Claim Amount
Over $1000
Breed

Dogue De Bordeaux

Age of Pet
1 - 8
10
Out of 10
Insurer: Trupanion
Posted: 06/19/2011
By:
Patti Geryk

We had three pets all with major issues. When we got Max a boxer we decided to get pet ins. He got hives from something and trupanion paid the claim. You never know what will happen. Patti

Injury/illness
hives
Claim Amount
$100 - $500
Breed

Boxer

Age of Pet
Under a year
10
Out of 10
Insurer: Trupanion
Posted: 06/16/2011
By:
Simon Young

We insured our pets with another company before switching to Trupanion. Within a few months after signing up with them our 12 year old yellow lab became seriously ill, requiring costly and extensive treatment. Unfortunately the treatment was unsuccessful,...

Injury/illness

Cancer

heart and lung issues related to cancer
Claim Amount
Over $1000
Breed

Labrador Retriever

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.