Trupanion Pet Insurance Review 2024

Trupanion offers some features that are unique in the pet insurance industry.
Sarah Schlichter
By Sarah Schlichter 
Edited by Caitlin Constantine

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Trupanion

4.0

NerdWallet rating 
Trupanion offers generous coverage with features that stand out from the crowd.
Compare My Rates
on Trupanion's website

Pay vet directly

Yes

Scope of coverage

Average

Ability to customize plan

Good
insurance-product-card-logo
Compare My Rates
on Trupanion's website

Trupanion

4.0

NerdWallet rating 
Trupanion offers generous coverage with features that stand out from the crowd.

Pay vet directly

Yes

Scope of coverage

Average

Ability to customize plan

Good

About Trupanion pet insurance

4.0

NerdWallet rating 

Trupanion earned 4 stars out of 5 for overall performance. Trupanion operates a bit differently than most pet insurers. Instead of offering an annual deductible that you have to pay each year before you start getting reimbursed, in most states, Trupanion offers per-condition deductibles. Once you meet the deductible, Trupanion will fully cover that condition's treatment for life. In some states, Trupanion's plan has no deductibles at all.

Trupanion is the pet insurance provider for State Farm.

Strengths: 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. If you're worried about saying yes to pricey treatment because you're unsure it'll be covered, you can contact Trupanion 24 hours a day for preapproval.

Weaknesses: If your pet is sick or hurt, Trupanion will cover treatment but not the vet exam fee. It doesn’t offer wellness or accident-only coverage either. Though its plans are generous, they also tend to be expensive.

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

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy to help you choose the financial products that work best for you. In our pet insurance reviews, we consider coverage, discounts, financial strength ratings from AM Best and more to determine our star ratings.

Our rating system rewards companies that cover a wide range of potential expenses, offer many ways to customize your plan and have a strong financial rating. Within the consumer experience category, we looked at features such as mobile app ratings and whether the company offers direct vet payments. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.

Dive deeper with our criteria for evaluating pet insurance companies.

Trupanion pet insurance plans and coverage

Trupanion offers a single accident and illness plan with unlimited payouts for every dog or cat. The plan includes:

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

  • Diagnostic tests.

  • Hereditary conditions.

  • 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. This includes coverage for physical therapy and rehab, acupuncture, behavioral modification, chiropractic care, hydrotherapy and homeopathy.

Pet owner assistance package. This covers nonmedical expenses such as boarding fees if you're hospitalized, a monetary reward to offer if your pet is lost, and cremation or burial services.

In certain states, the standard Trupanion plan may include rehabilitative therapy, chiropractic care and hydrotherapy at no extra cost.

The company doesn't sell wellness or accident-only plans.

What's not covered

A Trupanion plan won't pay for:

  • Exam fees for accidents or illnesses.

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

  • Preventable conditions, such as certain parasites.

  • Routine dental care.

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

  • Conditions arising from racing or mistreatment.

Trupanion coverage options

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 paying.)

Unlike most pet insurers, which have annual deductibles that apply to all accidents or illnesses your pet has in a given year, 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 certain states, 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 and Trupanion will pay the other 90%.

In a few states, you can customize your reimbursement amount to any level between 70% and 100%.

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

Restrictions and waiting periods

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

Waiting periods: A waiting period is a time between when you buy your policy and when your coverage starts. The waiting period for Trupanion is five days for injuries and 30 days for illnesses.

Trupanion pet insurance rates

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

To give you a rough idea of how much you might pay, we gathered sample rates 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.

Breed

Age 2

Age 8

French bulldog

$204

$219

German shepherd

$155

$354

Golden retriever

$139

$318

Labrador retriever

$146

$333

Medium mixed-breed dog

$97

$219

Poodle

$120

$272

We also gathered rates 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.

Breed

Age 2

Age 8

Devon rex

$48

$133

Domestic shorthair

$38

$102

Exotic longhair

$40

$108

Maine coon

$52

$146

Persian

$41

$113

Ragdoll

$35

$94

Discounts

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

State availability

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.

Consumer experience

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

App: Trupanion's app is relatively simple, allowing you to submit and track claims, view plan information, and earn rewards by referring friends. However, the app receives low to middling reviews from many users.

Claims: 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, mail or fax. The company says it processes more than 70% of claims within 24 hours. You can check the status of your claim in the app and get paid through direct deposit.

Customer service: You can contact Trupanion by phone (888-733-2685), email ([email protected]) or live chat 24 hours a day, seven days a week.

Trupanion vs. competitors

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

Trupanion vs. Healthy Paws

Like Trupanion, Healthy Paws offers a single accident and illness plan with no payout limits. The main difference between the two insurers is the type of deductible offered. While Trupanion uses per-condition deductibles in most states, Healthy Paws charges an annual deductible that applies to all conditions and resets yearly. (In a few states, Trupanion has no deductibles at all.)

Healthy Paws also offers a range of reimbursement options, while Trupanion covers all pets at a 90% reimbursement level in most states.

Unlike Healthy Paws, Trupanion covers dental diseases plus some prescription food and supplements. That said, Healthy Paws includes alternative treatments in its standard plans, while Trupanion charges extra for this coverage in most states. In addition, neither company offers wellness plans or covers exam fees for accidents and injuries.

Both companies process claims quickly and can pay some vets directly. Read our full Healthy Paws pet insurance review.

Coverage options

Trupanion

Healthy Paws

Deductible

$0 to $1,000 per condition in most states (in some states, no deductible applies).

$100 to $1,000 per year. (Not all options are available to all pets.)

Reimbursement

90% in most states. In states with no deductible, you can choose a reimbursement amount up to 100%.

50%, 60%, 70%, 80% or 90%. (Not all options are available to all pets.)

Annual limit

Unlimited.

Unlimited.

Trupanion vs. Nationwide

You can customize Nationwide's Modular plan to include coverage for exam fees and wellness care, neither of which is available from Trupanion. But both companies can cover behavioral therapies, acupuncture and chiropractic care.

Like most pet insurers, Nationwide has an annual deductible, which could save you money over Trupanion's per-condition deductible 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.

Learn more about Nationwide pet insurance.

Coverage options

Trupanion

Nationwide

Deductible

$0 to $1,000 per condition in most states (in some states, no deductible applies).

$250 per year. (Other options may be available online or by phone.)

Reimbursement

90% in most states. In states with no deductible, you can choose a reimbursement amount up to 100%.

50% to 90%, depending on the plan.

Annual limit

Unlimited.

$5,000 to unlimited, depending on the plan.

Trupanion vs. Pets Best

While Trupanion offers a single plan with generous reimbursement and unlimited 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.

Like most pet insurers, Pets Best applies deductibles annually, which could be more expensive than Trupanion's per-condition deductible if your pet develops an illness requiring ongoing care.

Both Pets Best and Trupanion offer the option to pay your vet directly. But only Pets Best has a helpline you can call with medical questions. It's staffed by vets 24 hours a day.

Coverage options

Trupanion

Pets Best

Deductible

$0 to $1,000 per condition in most states (in some states, no deductible applies).

$50-$1,000.

Reimbursement

90% in most states. In states with no deductible, you can choose a reimbursement amount up to 100%.

70%, 80% or 90%.

Annual limit

Unlimited.

$5,000 or unlimited.

Frequently asked questions

Yes, Trupanion covers diagnostic tests such as X-rays.

Trupanion covers dental illnesses and injuries but doesn't pay for routine care such as teeth cleaning. Learn more about pet dental insurance.

No. Spay and neuter surgery is considered wellness care, which Trupanion doesn't cover. The company pays for unexpected accidents and illnesses, not routine care you can plan and save for in advance.

No. Vaccinations are preventive care, which Trupanion's accident and illness plan doesn't cover.

Yes, it may pay for cremation due to an accidental death if you add the pet owner assistance package to your plan. This rider can also cover liability claims if your pet damages someone else's property, and it can pay boarding fees if you're hospitalized and unable to care for your pet.

Methodology

Pet insurance star ratings

NerdWallet’s pet insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, scope of coverage, the ability to customize your plan and more. Our “consumer experience” category looks at factors such as website transparency and mobile app ratings. To calculate each insurer’s star rating, we adjusted the scores to a curved 5-point scale. See our full pet insurance methodology.

These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Pet insurance sample rates

To find sample pet insurance rates, NerdWallet gathered quotes for the base level of accident and illness coverage on each insurer’s website. Quotes reflect the monthly cost of a policy and do not include wellness coverage or other optional add-ons. Each plan for a given company had the same deductible, coverage limit and reimbursement rate for all sample pets.

These are sample rates gathered for specific pets living in Katy, Texas. Your own rates will be different.

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