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Trupanion Pet Insurance for Dog & Cat

Updated: November 13, 2023

Trupanion is a good option for pet parents who are looking for comprehensive pet insurance with no breed or age restrictions. They offer unlimited annual coverage and reimbursement rates as high as 90%.

Trupanion Pet Insurance Details

    • Why Our Users Picked It:

      Many of our users stated they found Trupanion’s customer service to be exceptional. Responses are prompt and helpful. In addition, many find the claims process to be simple, efficient and user-friendly.

      Pros & Cons:

      • Excellent customer service
      • Easy and straightforward claims submission
      • Reliable coverage and timely payments
      • Comprehensive coverage of many health issues and medical procedures
      • Higher monthly premiums than some others
      • Does not cover vet exam fees
      • 12-Day waiting period before coverage takes effect

      Plan Limits

      • Per Condition Limit Unlimited
      • Lifetime Limit Unlimited
      • Deductible Type Per Condition
      • Direct Pay

      What is Covered?

      • Accident and Injury Unlimited
      • Hospitalization Unlimited
      • Rehabilitation Unlimited with Recovery & Care Rider
      • Continual Care Unlimited
      • Emergency Visits Unlimited
      • Surgery Unlimited
      • Dental Trauma Unlimited
      • Foreign Object Ingestion Unlimited
      • Congenital or Hereditary Conditions Unlimited
      • Cancer Treatments Unlimited
      • Dietary Supplements Unlimited
      • End of Life: Burial and Cremation
      • Illness Unlimited
      • Specialists Unlimited
      • Prosthetics Unlimited
      • End of Life: Euthanasia
      • Prescription Drugs Unlimited
      • Outpatient Care Unlimited
      • Bilateral Conditions Unlimited
      • Travel Coverage
      • Vet Exam Fees
      • Medical Imaging Unlimited
      • Organ Transplants Unlimited
      • Wellness Cover
      • Lab Tests Unlimited
      • Behavioral Treatments

      Plan Summary

      With Trupanion, you not only get incredibly comprehensive coverage but you also get peace of mind 24/7/365 with Trupanions customer support and preapprovals, because they know that accidents don’t happen at the most convenient of times. You can choose your deductible from $0-$1000, in $5 increments and for some plans there are no deductibles at all! Trupanion is always thinking ahead, setting the industry standard, working to make pet insurance as easy and seamless as possible for vets and pet owners. A couple examples of this are they offer no deductibles, and are able to pay the vet directly, within seconds, at time of checkout- eliminating the reimbursement process, so you’ll get full coverage without having to pay the full amount at every vet visit. They won’t ever tell you that you’ve submitted too many claims or you’ve reached your payout limit, because they offer unlimited payouts on all eligible claims. Terms and conditions apply. See your states policy at for full coverage details

    Most popular dog breeds insured by Trupanion Pet Insurance

    Here are the top 10 dog breeds covered by Trupanion insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    Other Mixed Breed $108.79
    Maltese $73.13
    Golden Retriever $91.68
    Chihuahua (Short Coat) $72.50
    French Bulldog $177.50
    Cavalier King Charles Spaniel $67.96
    Aidi $156.97
    Yorkshire Terrier $42.90
    Shih Tzu $67.38
    Sheepadoodle $67.76
    Data source date 60 days, cost based on user selected average

    Most popular cat breeds insured by Trupanion Pet Insurance

    Here are the top 8 cat breeds covered by Trupanion insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    RagaMuffin $36.36
    Domestic Medium Hair Mix $27.08
    Unspecified Mix $23.02
    Siamese $45.62
    Ragdoll $198.47
    Maine Coon Mix $81.90
    Domestic Longhair Mix $31.82
    American Shorthair $27.02
    Data source date 60 days, cost based on user selected average
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    Compare With Other Top Pet Insurance Providers 2024

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    • Users appreciate that Fetch offers up to 90% reimbursement rates. Some have also expressed the ease of submitting claims, with some saying they submitted claims in the vet’s office from their phone within minutes.
    • Quite a few users have mentioned that Lemonade offers some of the most affordable policies in the market. Many also appreciate that coverage is extensive and covers a wide range of medical conditions and procedures.
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    • Users appreciate that ASPCA offers comprehensive coverage that includes emergency services as well as preventative care. Many have also highlighted ASPCA’s helpful and responsive customer service representatives.
    • Our users raved about MetLife’s exceptional customer service and the fact the company offers comprehensive coverage that supports both preventative and emergency care. And users also appreciate MetLife’s competitive pricing.
    • Our users appreciate that Hartville offers flexible coverage options as far as policy limits, deductibles and reimbursement rates. This puts them in the driver’s seat and allows them to choose a policy they can comfortably afford.
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    • Many users have praised Spot for their quick and hassle-free claim process. They also mention how quickly they are reimbursed in most cases and that customer service is both kind and helpful.
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    • Some reviewers have praised AKC for offering an easy claims submission process. Others have said how much they appreciate the great customer service and that payments are generally made within days of making a claim.
    • Reviewers appreciate that Figo offers Wellness coverage for preventative care. Many also mentioned the claims process was hassle-free.
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    • Users love the great customer service offered by Many Pets and the fact that they offer competitive pricing. Many Pets will also reduce the accident and illness waiting period to 24 hours if you are switching from another insurance provider.

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    Trupanion Pet Insurance FAQ?

    • How long is a quote valid?

      As with all insurance quotes, quotes with Trupanion pet insurance are subject to change. It’s always best to complete sign up to lock in a good quote.

    • Once my claim is approved, how does Trupanion pet insurance pay me?

      Trupanion gives you the options of either getting a check by mail or having your payment deposited directly into your bank account.

    • Is it easy to file a claim through Trupanion pet insurance?

      Trupanion is one of only a few pet insurance providers that offers direct pay to vets and emergency clinics through their Trupanion Direct Pay. This is a wonderful feature because you don’t have to worry about filing a claim. You simply tell your vet or emergency hospital you have Trupanion pet insurance and they’ll submit your invoice at checkout. Typically, processing and payment happen within minutes.
      Should your preferred vet or clinic not accept direct payments, you can easily submit a claim directly to Trupanion.

    • Does Trupanion have an age limit for eligibility?

      Yes, pets can be enrolled up until their 14th birthday.

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