Trupanion Pet Insurance Review

Rating: 9.6 / 10 (Excellent)
276 Customer Reviews - see all reviews
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How is Trupanion rated?
Benefit Limits
Reimbursement Models
Claims and Service

Trupanion is a Top Pick

Trupanion is a great pet insurance company. With easy to understand policies that cover up to 90% of your pet’s medical bills, they’re an excellent choice for pet parents. 

What's Included with Trupanion:

  • Low cost deductible from $0-$1000. Their deductible is also per-condition which is good for chronic issues as your pet ages. 
  • Up to 90% reimbursement for all accidents, injuries & illnesses.
  • Plans cover medications, surgeries, advanced testing, supplements, therapeutic pet foods, orthotic and prosthetic devices, carts & hospital stays.
  • Vet bill reimbursements are based on the cost of your actual vet bill. So there are no restrictions or per incident caps on reimbursement amounts (recommended). 


Plan Details


 Type of contract

 Month to month

 Enrollment age

 8 weeks up to 14 years

 Effective date

 Refer to Declaration Page

 Waiting period

 30 days illnesses after effective date, 5 days for injuries

 Out of state coverage


 Out of country coverage

 Canada & Puerto Rico 

 Claims and policy price

 NO increase in premiums due to # or type of claims made

 Age limit

Certain age restrictions apply during enrollment, but there  are no age limits in terms of policy extensions.

 Annual deductible

 Choose your own deductible $0 to $1,000

 Claim limit

Depends on the type of plan you choose. Some plans have  maximum annual payouts, while others do not.


What does Trupanion cover?

Pets covered – Cats and Dogs

Baseline coverage

a. Illness

  • lab tests
  • diagnostic tests
  • treatments
  • surgery
  • hospitalization
  • medications

b. Accident and Injury

  • lab tests
  • diagnostic tests
  • treatments
  • surgery
  • hospitalization
  • medications

c. Pre-existing conditions

NOT covered

d. Congenital conditions

Covered as long as said condition was not present prior to the effective date of the policy.

e. Chronic conditions

Covered as long as said condition was not present prior to the effective date of the policy.

Continual coverage is available

f. Cancer

Covered as long as said condition was not present prior to the effective date of the policy.

Continual coverage is available

g. Wellness coverageNOT covered

  • Vaccinations
  • Routing checkups
  • Dental care

Dental treatment is covered if caused by an accident

h. PregnancyCovered in comprehensive Breeding Pet Rider w/additional cost

i. Special coverage: Trupanion is the first and only pet medical insurance provider to cover certain health conditions associated with breeding.  

  • Alternative therapy – if recommended and performed by a licensed veterinarian
  • Behavioral therapy - if performed by a licensed veterinarian and caused by a medical condition
  • Breeding pets
  • Hip dysplasia - as long as said condition was not present prior to the effective date of the policy.



Trupanion’s deductibles are per accident or illness as opposed to per year. Once the deductible amount has been met for a specific accident/illness, Trupanion will pay 90% of all future costs associated with said accident/illness. Unlike other providers where the deductible needs to be met each and every year, with Trupanion you only pay this once – which is great for pets with chronic conditions, such as diabetes or allergies. 


Vet bill reimbursements are based on actual vet bill amounts, not on a per incident basis. 

This is important to note because it means that when you're faced with an expensive treatment, the amount you get reimbursed from Trupanion is not limited to a per incident basis. With expensive vet bills (i.e. $3,000+ treatments), if a pet insurance company doesn't reimburse you based on the actual vet bill, and they cap reimbursement for that particular procedure at $2,000, you're stuck paying the difference, which can be very costly.  


The Fine Print:

  • Animals that have not been spayed or neutered within the first year (or 30-days after adoption) are covered as breeding animals which costs more. 
  • No optional wellness coverage available. However, you have to understand how wellness coverage works to realize this is a actually a good thing, not a policy limitation.  
  • Similar to every other pet insurance company, Trupanion will not cover pre-existing conditions. 


The Bottom Line:

Trupanion is popular and growing fast for a reason: They offer excellent pet medical insurance plans and are a great option for consumers. They're a top-notch company who genuinely cares about their customers.  

Start your review for Trupanion Pet Insurance

Latest Reviews

Based on customer reviews
276 Reviews
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Ruth P
New York, New York
I have found that Trupanion can be a helpful provider, but when they make a mistake--as they did once with me--it took me several months of repeated calls and emails to have them redo their paperwork, despite the fact that a clerical at Trupanion had miscoded some paperwork. Had I not persisted, I would have paid hundreds of dollars. Just last month they raised my premium 35%--when I telephoned to inquire, I was told this was based on my dog--an English Springer Spaniel, age [she's 8] and the cost of vets in my area, New York. In fact, office visits at my vet have not gone up. I have yet to be given an honest and credible explanation for this significant increase. When they're good,... Read More

[email protected]
San Luis Obispo, California
Trupanion has proven time and time again to be a great partner in keeping our Stella healthy and happy! It is key that we continue to work on prevention with our little girl and Trupanion has supported us the entire way. Claims are easy, paperwork is quick and turnaround is amazing. I hope they add "people" insurance soon. I'll be the first to sign up.

Muriel H
Louisville, Kentucky
The person with whom I worked (Brian) was extremely helpful and could not have been nicer. My checks arrived immediately. I highly recommend this company and am very pleased that I have insurance with them.

Lisa O
Malverne, New York
One of the best thing I every did for myself and my puppy was to get Trupanion Pet insurance. Whenever my puppy goes to the vet, a bill is submitted to Trupanion, and if anything such as tests, medications, etc, is related to her medical condition, I receive a reimbursement check within days. Wellness visits and regular immunizations are not covered. Prior to the puppy I have now, I had a rescue dog that lived to be 16 1/2 yrs old. In all those years, she only went to the vet once a year for her annual shots & check-ups. But when I got my puppy, the vet discussed the insurance and despite reservations, I took out the policy. The best thing I ever did and I tell everyone I know who has a... Read More

Robin W
Los Angeles, California
My eight month old puppy needed surgery and my veterinarian's front desk took care of my claim and deducted what Trupanion was paying. It was the easiest claim process I've ever experienced with any insurance company! I highly recommend Trupanion!

Dianna U
Edmonton, Alberta
I'm grateful to the helpful staff of Trupanion for making such a stressful time, for my dog Mattie and, I much easier. Prompt service is awesome. Mattie is my best buddy and am glad that with Trupanion I could afford to get him the vet services he needs. Thank you!

Patty M
Wellesley Hills, Massachusetts
I have had a great experience with Trupanion. My dog has been sick for about two months. It took over a month to diagnose his cancer after many diagnostic scans and surgery. Its very easy to scan the receipts and submit the bills to Trupanion for payment. They have acknowledged receipt of the claims within 24 hours, and I have received payment within a week or so. Their prompt response has taken worry over the large cost of my dog's treatment out of the equation, so I can concentrate on caring for him. I highly recommend Trupanion.

Lamara M
Montréal, Quebec
At the worst time in my life, Trupanion was there for me! They took care of everything. When people tell me how crazy I am to have insurance for my pets, all I have to say is you have no clue how truly wrong you can be. Me experience with my suddenly deathly ill boy and all the support and help I got through Trupanion has made me a client for life. The Ease of mind and support you get is worth every penny. Thank you is not enough!

Rick C
Trupanion does what they say they will do. They do it quickly with no hassles!!. Never had a bad experience.

Willi R
Englewood, Colorado
Trupanion has been the best. They pay claims quickly. I have been so satisfied that I recommend them to everyone. Thank you for peace of mind. The only thing they do not cover is teeth cleaning which I wish they did. But my cat's radiation treatment and diabetes has been covered. I have had insurance for 10 years and been very satisfied.

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