Trupanion
4.1
reimbursement90% only
Best for: Owners who fear large surprise bills and want the vet paid directly, especially for breeds prone to chronic conditions.
Insurer review
Trupanion review
Best for: Owners who fear large surprise bills and want the vet paid directly, especially for breeds prone to chronic conditions.
Coverage terms at a glance
| Annual limits | Unlimited |
|---|---|
| Reimbursement | 90% only |
| Deductible | $0 – $1,000 per-condition lifetime deductible |
| Waiting periods | 5 days accidents, 30 days illnesses |
Highlights
- VetDirect Pay — pays participating vets directly at checkout, often in seconds
- 90% reimbursement with unlimited lifetime payouts on every plan
- Per-condition deductible paid only once per condition over your pet’s life
Pros and cons
Pros
- Direct payment to vets eliminates big out-of-pocket bills
- Unlimited payouts at a flat 90%
- Per-condition deductible never resets — ideal for chronic illness
- Covers hereditary and congenital conditions
Cons
- Highest entry premiums among the insurers we compared
- No exam fee coverage
- No new enrollments once a pet turns 14 — seniors are shut out
- No wellness or routine-care option
- 30-day illness waiting period is the longest in this comparison
Get a quote
Related reading
Trupanion FAQ
How much does Trupanion cost per month?
We don't publish a price for Trupanion, because there isn't one — premiums are filed by ZIP code and priced on your dog's age, breed, and medical history, plus the deductible and reimbursement you choose. Trupanion is rated here on its published coverage terms, not on price. For the industry baseline to compare a quote against, see our US pet insurance cost page, and request a quote directly for your own dog.
What are Trupanion's waiting periods?
5 days accidents, 30 days illnesses
What reimbursement does Trupanion offer?
Trupanion offers reimbursement options of 90% only, with annual limits of Unlimited and deductible options of $0 – $1,000 per-condition lifetime deductible.