Trupanion Pet Insurance Review 2025

Trupanion earned 3.9 stars out of 5 for overall performance.

Trupanion operates a bit differently than most pet insurers. Typically, you need to pay a pet insurance deductible every year before you start getting reimbursed. But Trupanion offers per-condition deductibles instead. Once you meet the deductible, Trupanion will cover its treatment for life. In Maine, Trupanion's plan has no deductibles at all.

Trupanion won't automatically increase your pet's premium just because they're another year older. Instead, premiums will change from time to time to reflect the cost of vet care for pets like yours in your area. However, Trupanion's plans tend to be more expensive than other companies', based on NerdWallet's sample rates.

Trupanion is the pet insurance provider for State Farm.

» MORE: The best pet insurance companies

Trupanion offers a single accident and illness plan with unlimited payouts for every dog or cat. This plan is more inclusive than the most basic policies on the market, but leaves out a few things that some other companies cover. It can pay for:

• Treatment, hospitalization and surgery for injuries and illnesses, including cancer.

• Diagnostic tests.

• Hereditary and congenital conditions.

• Prescription medications.

• Some prescription food and supplements.

• Prosthetic devices and carts.

• Herbal therapy.

• Dental disease.

Depending on where you live, you may be able to buy the following additional coverage:

• Recovery and complementary care rider. Includes coverage for physical therapy and rehab, acupuncture, behavioral modification, chiropractic care, hydrotherapy and homeopathy.

• Pet owner assistance package. Covers nonmedical expenses such as boarding fees for your pet if you're hospitalized or a monetary reward to offer if your pet is lost. Also pays for cremation or burial.

• Breeding rider. Pays expenses associated with breeding, whelping and queening if you choose to breed your pet. You may need to call Trupanion to add this coverage.

Trupanion doesn't sell wellness or accident-only plans.

Note: Coverage options and availability may vary depending on where you live and the age and breed of your pet.

» MORE: Is pet insurance worth it?

A Trupanion plan won't pay for:

• Exam fees for accidents or illnesses.

• Pre-existing conditions.

• Wellness and preventive care, including spay/neuter surgery, vaccinations and flea/tick medication.

• Preventable conditions, such as certain parasites.

• Elective or cosmetic procedures such as declawing or tail docking.

• Conditions arising from racing or mistreatment.

You may be able to customize your plan with various options for deductibles, reimbursement rates or coverage limits.

Deductibles

In most states, Trupanion offers plans with deductibles ranging from $0 to $1,000. (A deductible is the amount of your pet’s care you need to cover before the plan starts reimbursing you.)

Most pet insurers have annual deductibles that apply to all accidents or illnesses your pet has in a given year. But Trupanion applies its deductibles to individual conditions. Once you've reached the deductible for a particular illness, you don't have to pay it anymore for the life of your pet.

Say your dog develops allergies and requires ongoing medication. With an annual deductible, you'd have to pay it each year if your dog continued to need treatment. With Trupanion's per-condition deductible, you'd pay it once and be done. However, if your dog also had to go to the vet for a different problem, you'd pay an additional, separate deductible.

In Maine, Trupanion charges no deductibles. Learn more about pet insurance deductibles.

Reimbursement amounts

Trupanion offers 90% reimbursement for all pets in most states. That means once you've hit your deductible for a given condition, you'll be responsible for only 10% of your vet bill. Trupanion will pay the other 90%.

In Maine, you can customize your reimbursement amount to any level between 50% and 90%.

Coverage limits

Trupanion has no annual, per-condition or lifetime coverage limits.

» MORE: What does pet insurance cover?

Age restrictions: There's no minimum age limit. You can enroll older pets any time before their 14th birthday.

Waiting periods: A pet insurance waiting period is the time between when you buy your policy and when your coverage starts. Trupanion’s waiting periods vary by state.

The cost of Trupanion pet insurance depends on where you live, the coverage limits you choose, and your pet’s breed and age.

Sample rates for dogs

To give you a rough idea of how much you might pay, we gathered quotes for several popular dog breeds at ages 2 and 8. Rates below are sample monthly premiums for dogs living in Katy, Texas. Our sample plan was for accident and illness coverage with a $250 deductible, unlimited annual coverage and a 90% reimbursement rate. Your own price will vary.

Sample rates for cats

We also gathered quotes for a variety of cat breeds with the same coverage limits as above. Rates below are sample monthly premiums for cats living in Katy, Texas.

» MORE: The best cheap pet insurance

Discounts

A discount may be available for service animals. However, it doesn't apply to emotional support pets or service animals in Washington state.

» MORE: The best cheap pet insurance

Trupanion is licensed to sell pet insurance in all 50 states and Washington, D.C.

Availability may change at any time. Coverage may not be available to all pets in a given state.

Website: Trupanion's website has details about its coverage and plan options, including sample policies. You can get an online quote, file claims and update your billing information on the website.

Mobile app: Trupanion doesn’t currently have an app.

Trupanion can reimburse you for vet bills you've already paid or send payment directly to your vet if the vet uses the company's software. If direct payment isn't an option at your vet's office, you can submit invoices online or by email or fax. The company says it processes more than 70% of claims within 24 hours — quicker than most other pet insurers.

When calculating your claim payout, Trupanion applies the reimbursement rate to your vet bill before it subtracts your deductible. That’s a less generous method than some other companies use.

Here’s how the math would work if you had a $3,000 vet bill, 90% reimbursement rate and $200 deductible.

Phone: You can call Trupanion at 888-733-2685.

Email: Send messages to info@trupanion.com.

Live chat: Agents are available to chat 24 hours a day, seven days a week.

» MORE: How much is pet insurance?

Here's how Trupanion stacks up against three other popular pet insurance companies.

Trupanion vs. Healthy Paws

The main differences between Trupanion and Healthy Paws pet insurance are:

Deductibles. While Trupanion uses per-condition deductibles in most states, Healthy Paws charges an annual deductible that applies to all conditions.

Coverage for alternative therapies. Healthy Paws includes alternative treatments in its standard plans, while Trupanion charges extra for this coverage in most states.

» READ MORE: Healthy Paws pet insurance review

Trupanion vs. Nationwide

The primary differences between Trupanion and Nationwide pet insurance are:

Availability of wellness coverage. You can customize Nationwide's plan to include coverage for preventive care. This option isn't available from Trupanion.

Deductibles. Like most pet insurers, Nationwide has an annual deductible. Nationwide’s deductible could save you money over Trupanion's if your pet visits the vet for multiple problems in a given year. But if you have a pet that develops a chronic condition, you may be better off with Trupanion's deductible.

But both companies can cover behavioral therapies, acupuncture and chiropractic care.

» READ MORE: Nationwide pet insurance

Trupanion vs. Pets Best

The most important differences between Trupanion and Pets Best pet insurance are:

How customizable the plans are. While Trupanion offers a single plan with generous reimbursement and payouts, Pets Best is all about options. You can add a wellness plan, cover accidents only or choose from a menu of deductibles, reimbursement amounts and coverage limits. That may make it easier to find a price and plan you feel comfortable with.

Deductibles. Like most pet insurers, Pets Best applies deductibles annually. If your pet develops an illness requiring ongoing care, Trupanion’s deductible might save you money.

» READ MORE: Pets Best pet insurance review

• See all of NerdWallet’s pet insurance reviews

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