Trupanion Pet Insurance Costs, Coverage & Reviews

Trupanion Pet Insurance


It’s becoming a new craze to be a “pet friendly” workplace in offices all across the country. However, Trupanion CEO, Darryl Rawlings, has been a fan well before it was trending. An office full of pet beds and a pet play area serves as a reminder—they are not just an insurance company, they are taking care of pets by helping owners pay for much needed veterinary care. By the end of 2014, Trupanion had insured over 200,000 pets across the U.S., Canada, and Puerto Rico, and they also focus just as much on giving back to charitable organizations that help animals in need. In terms of truly loving what their business is about, Trupanion is exemplary, and help provide the tools pet owners need to care for their animals.

What They Cover

Trupanion does a great job of creating policies that cover almost anything a pet dog or cat owner could need help with, all at reasonable prices. They provide coverage for accidents, illness, injuries, hereditary/congenital conditions, diagnostic tests, hospital stays, surgeries, medications, and even prosthetic devices and carts.

What They Don’t Cover

As with any pet insurance company, there are a few things that Trupanion doesn’t cover, namely:

  • Pre-existing conditions
  • Exam fees
  • Sales tax
  • Wellness care
  • Elective or cosmetic surgeries
Plan Coverage Options

Trupanion believes the best way to serve their customers is with simplicity — who doesn’t want that with an insurance provider? They do this by offering a 90% reimbursement rate across the board no matter how costly your bill turns out to be. They also offer a range of deductibles starting at nothing, yes, you read that correctly—$0—going up to $1,000. They also never limit coverage or impose caps.

  • $0
  • TO
  • $1000
  • 90%
Policy Limits
  • Unlimited
Policy Coverages
Deductible Type Per Year
Deductible Options $0 - $1,000
Reimbursement Options 90%
Policy Limit Options Unlimited
Lifetime limits Unlimited
Wellness Cover Cost Not offered
Accidents & Illnesses
Vet Exam Fees
Rx Medications
Emergency Visits
Cancer Treatments
Outpatient Care
Alternative Therapies
Waiting Periods
Policy Coverage Starts At midnight after sign up
Accidents 5 days after policy starts
Illnesses 30 days after policy starts
Compare Pet Insurance
How much will I get back from Trupanion?

As mentioned, Trupanion has great choices of options for coverage, and here are 3 examples of how much you’ll get back for a covered condition:


Example 1

Your cat develops a growth near one eye and needs surgery and medication to get her back to her healthy self. The total bill comes to $4,850. With a $200 deductible and Trupanion’s 90% reimbursement, you will get back $4,165.

$4,165 Total Back

Example 2

Your 12 year old Golden Retriever starts to show the signs of aging with severe hip dysplasia requiring surgery. The surgery, plus post-op meds will cost you a grand total of $7,520. After a $300 deductible and 90% reimbursement, you will get back $6,468.

$6,468 Total Back

Example 3

You take your pup to the new dog park down the street, where he and another dog get a little too intense with rough play and he suffers from a few different bites and cuts that require the “cone of shame” so he doesn’t infect them. The trip to the vet, the cone, and some medicine to keep him comfortable total $760. You opted for the $100 deductible, so with a 90% reimbursement you will get back $584.

$584 Total Back
How much does Trupanion insurance cost?

Well as you may imagine, the cost of pet insurance depends on a few key variables: the breed of your pet, their age, and where you live. After that, it’s down to you how much coverage you want, how big (or small) a deductible you want to pay and how much of a reimbursement (the amount you get back after the deductible is paid) you select.

To see all of Trupanion’s plan options, click here to compare pet insurance plans, but here are a couple of examples:

Breed: Yellow Lab
Age: 1 years
Zip code: 90010
Unlimited coverage
$250 Deductible
90% Reimbursement
Plan Cost 29.84 Per Month
Plan Cost $29.84 Per Month
Breed: English Bull Dog
Age: 5 years
Zip code: 35005
Unlimited coverage
$100 Deductible
90% Reimbursement
Plan Cost $32.15 per month
Plan Cost $32.15 Per Month

What do pet owners say about Trupanion?

Very Good
5 star
61% Complete (success)
4 star
24% Complete (success)
3 star
10% Complete (success)
2 star
3% Complete (success)
1 star
1% Complete (success)

In terms of reviews, customers love how quickly Trupanion pays back claims and how easy they make the process with simple, easy-to-understand claim forms. See reviews from Trupanion customers below.

Direct pay option is great of your vet accepts

The direct pay option is really helpful, you just need to have a vet that will accept it.

Connecticut, Beagle
Awesome Follow up!

I submitted a claim after my dog got attacked by another dog and needed stitches and pain meds. Trupanion made the ordeal easier by approving the claim quickly, got the reimbursement sent, and then even called me to check on my dog a few weeks later! I really appreciated the follow-up because they didn’t have to do that.

Oklahoma, Shih Tzu
I would recommend Trupanion.

I’ve been pretty happy with Trupanion. I think they’re helpful, and its nice to have the backup funds, the service can be a little inconsistent tho based on who you get.

California, Black Lab
Payback period is pretty quick.

I really appreciated that the payback period between a claim being approved and getting the check was preety fast. Its hard to plan if you think it will take long or be delayed, but Trupanion was on top of it all to get the check out.

Washington, Husky
Direct pay is helpful.

The direct pay option is really helpful for cutting time. I like that trupanion goes straight to the vet to save time, and because my vet will know more of the paperwork that will be needed for each claim unlike me. That was the big selling point for me for signing up.

New Mexico, Golden Retriever
Kind of expensive

TIts nice to have the peace of mind of coverage when something happens, but I feel like the monthly cost is a little pricey for what you get.

Rhode Island, Maltese
See how Trupanion Pet Insurance compares
Bonus Points

Trupanion does an amazing job at providing top-quality pet insurance fit for any budget. They really care about helping pets achieve the highest possible quality of life so that pets and pet owners can have many years of love and play without the worry of an unexpected cost. We also love their direct pay option that if allowed by veterinarians, lets Trupanion contact them directly for claims, allowing you to skip the reimbursement process all together and not have to pay anything out-of-pocket. They also offer 24/7 phone assistance for those emergencies that don’t occur when it’s convenient (obviously, it’s an emergency), as well as a 30-day money back guarantee. You’ll love how much Trupanion really cares about you and your pet and wants to help you keep your four-legged family member healthy and happy for many years to come.

We also have to mention that our Chesapeake Bay Retriever is insured by Trupanion. She recently had to have surgery to fix her cruciate ligament. The total cost for the claim was around $6,900, which we got 90% of back from Trupanion in just a few days. We really valued this as you can imagine.