Trupanion Logo
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19 User Reviews


Overall Score

Trupanion is a well-known brand among pet insurance companies. The company was founded in 2000 in Vancouver, British Columbia, under the original name of Vetinsurance. In 2008, the company was established in the United States. This company boasts one easy-to-understand plan and coverage for 90 percent of vet costs.

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The Good

  • Policies, Reimbursement, and Additional Coverage
  • High Age Limit
  • 24/7 Customer Service
  • No Payout Limits
  • Vet Direct Payments

Policies, Reimbursement, and Additional Coverage

Trupanion only has a straightforward plan option, but it covers a great deal. The plan is very extensive and comes with 90 percent reimbursement. A Trupanion policy covers the medical expenses of unexpected injuries and illnesses including hereditary conditions (elbow and hip dysplasia, diabetes, etc.) unidentified issues (vomiting, cough, weight changes) as well as congenital conditions (heart disease, nervous system issues, cataracts).

Members can add a few additional riders for an additional cost. There is the Recovery and Complementary Care Rider (coverage for non-clinical procedures) and the Pet Owner Assistance Package (coverage for lost pets, boarding fees, cremation or burial deaths due to an accident, as well as holiday vacation cancelation costs).

High Age Limit

Trupanion does have an age limit for new enrollments, but it's quite high. A dog or cat has to be under 14 years old to qualify for coverage.

24/7 Customer Service

Unlike many competitors, this company's customer service is available around the clock for assistance. Business hours aren't just from nine to five; Trupanion offers 24/7 customer service.

No Payout Limits

Trupanion doesn't place limits on the amount of coverage pet owners can get. The one insurance plan is set up to cover 90 percent of a pet's vet costs, and upon enrollment, members choose a deductible between $0 and $1,000. The flexibility is convenient.

Vet Direct Payments

Trupanion is proud of the fact that its members can pay their veterinarian directly. There is no out of pocket costs, submitting paper claims, and no waiting period for reimbursement. All members have to do is pay their portion of the bill and Trupanion will take care of the rest. Trupanion is currently working with thousands of veterinary clinics across the United States. If pet owners are wondering if vet direct payments are available at their clinic, they can search for it on the Trupanion website.


The Bad

  • Only One Type of Plan
  • Per-Incident Deductible
  • Additional Fee

Only One Type of Plan

Rather than providing tiered plans, Trupanion has one insurance plan. It simply adjusts according to the deductible, monthly premium, and add-on prices; however, the coverage is the same, which limits customers to one solution. Trupanion like most pet health insurance companies does not cover pre-existing conditions.

Per-Incident Deductible

Trupanion has one plan with several per-incident deductible options. Most companies offer annual deductibles, and at the same amount as Trupanion's per-incident deductible. Per-incident deductibles can be quite pricey if a pet has several incidents.

Additional Fee

Although many companies have additional fees, Trupanion's fee is quite high. Members pay a one-time $35 administration fee when signing up.


The Bottom Line

Trupanion has several years of business experience and has established itself as a well-known name in pet insurance. Using Trupanion pet insurance is entirely dependent on its customer needs. For example, if pet owners prefer more options for plans and an annual deductible, Trupanion may not be the right choice. All customers want a lower cost too, and in that sense, Trupanion is not a cheap option. To be fair, though, the price does depend on the pet and on the chosen deductible. If those factors line up, members might not pay as much as they would think.

In many ways, Trupanion is a great pet insurance option. It has 24/7 customer service, clear-cut policies, extensive coverage, and flexible limits such as for the age of the pet. As long as the pet owners can afford the coverage, their pet can benefit significantly from Trupanion's insurance plans.

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