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 6.2 9.5 9.2
Count 27 991 8303

Trupanion

9
Out of 10
Insurer: Trupanion
Posted: 03/17/2010
By:
S. Henry

My six-year-old spaniel has had some major medical bills within the last year, and much of it has been reimbursed through Trupanion. I realize that, basically, pet insurance is a way of "saving up" for the worst occasions, so it isn't cheap, but it...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Insurer: Trupanion
Posted: 03/16/2010
By:
Roger Barnes

Without our knowledge, our 11 month old Golden Retriever accidentally swollowed a stone about the size of a small egg. We noticed his behaviour was off and decided to take him to our Vet. An x-ray revealed the mass and he had to have immediate surgury...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Insurer: Trupanion
Posted: 03/16/2010
By:
Debora

In the first 5 short months upon receiving our rottweiler puppy, he broke two toes and then had a major situation with vomiting and diarrhea. We have had many trips to the vet. Trupanion has been wonderful! Our vet processed the paperwork for me the...

Injury/illness
Claim Amount
Breed
Age of Pet
1
Out of 10
Insurer: Trupanion
Posted: 03/16/2010
By:
anon

this company is a total ripoff and a complete waste of time! My yorkie was diagnosed with hip dysplasia after obtaining insurance, and it was ruled preexisting. I HAD EVEN BOUGHT THE EXTRA COVERAGE FOR HIP DYSPLASIA. This company kicks ya when your down...

Injury/illness
Claim Amount
Breed
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.