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Home > Insurance > Trupanion Pet Insurance Review 2024: Pricing, Coverage & FAQ

Trupanion Pet Insurance Review 2024: Pricing, Coverage & FAQ

trupanion pet keen review

If you’re a pet owner, then you know that they are members of the family and should be treated as such. That’s why pet insurance is so important, and Trupanion is one of the best providers in the business. In this article, we will review all aspects of Trupanion pet insurance so that you can decide if it’s the right choice for you. We’ll cover the pros, cons, FAQs, and verdicts to help make your decision easier.

Our Final Verdict

We give Trupanion Pet Insurance a rating of 4.7 out of 5 stars.

Trupanion Pet Insurance Review

  • Available in 50 states, Canada, and Puerto Rico
  • No payout limits ever
  • Coverages for accidents and illnesses
  • Covers up to 100% of eligible expenses
  • All breeds are eligible
  • Can pay your vet directly at the checkout in seconds!
  • No wellness coverage
  • Does not cover exam fees
  • Doesn’t cover preexisting conditions

Other Top-Rated Pet Insurance Companies

Best Overall
Our rating: 4.6 / 5
Most Customizable
Our rating: 4.4 / 5
Best for Wellness Plans
Our rating: 4.0 / 5

About Trupanion

Trupanion is one of the leading providers of pet insurance in the United States. They offer a variety of plans and coverage options to fit the needs of any pet owner.

Trupanion has several features that make it stand out from other pet insurance companies.

One unique feature of Trupanion is that they have no payout limits. This means that you will never have to worry about your coverage running out. Additionally, they cover a variety of alternative treatment options, such as acupuncture and chiropractic care.

Trupanion also covers up to 100% of eligible expenses, which is one of the highest reimbursement rates in the industry. They can also pay your veterinarian directly at checkout, within seconds, so all you have to pay is your portion of the bill.

However, there are some drawbacks to Trupanion pet insurance, like their policies not covering wellness care or preexisting conditions. 

Find The Best Pet Insurance Companies in 2024

Pricing & Plans (Updated in 2024)

Pet Insurance Cost Comparison

Company Sample Monthly Cost for Dogs Sample Monthly Cost for Cats Learn More
Trupanion $29.70 $12.22 Get Quote
Lemonade $19.44 $11.00 Get Quote
Spot $36.54 $16.51 Get Quote
Wagmo $70.12 $30.88 Get Quote
Fetch $26.89 $11.93 Get Quote

Trupanion’s Base Policy

The base policy has unlimited payout amounts but not unlimited coverage. That means they will only pay so much per accident, illness, or injury, but they’ll pay for unlimited injuries. Here are the coverage limits from their website:

Accident Type Coverage Limit
Foreign body ingestion Up to $2,856
Hit by a vehicle Up to $11,902
Dog bites Up to $5,240
Poisoning Up to $4,602
Cruciate ligament rupture Up to $7,760
Oral Injuries Up to $4,745
Illness Coverage Limit
Stomach issues Up to $29,100
Skin conditions Up to $4,140
Chronic pain Up to $7,739
Ear infections Up to $12,954
Eye conditions Up to $7,637
Growths or lumps Up to $13,692
Cancer Up to $21,644

*Note: Not all illnesses that are covered are listed. These are just some of the most common.


Depending on your plan, Trupanion is customizable based on the amount of deductible you want to pay (which is the amount you have to pay out-of-pocket before insurance will pay) and reimbursement percentage (which is how much the company will pay after the deductible is paid. The cheaper the deductible, the more your monthly premium is. The higher the reimbursement percentage, the more your monthly premium is.

Alternative care, called “Recovery and Complementary Care,” covers things such as:
  • Acupuncture
  • Behavioral modification
  • Homeopathy
  • Physical therapy
The other add-on, “Pet Owner Assistance,” covers things such as:
  • Advertising for lost pets
  • Reward for lost pets
  • Cremation or burial costs
  • Boarding costs in the event you’re hospitalized

Trupanion Price Comparison for Dogs

Boxer Yorkie
Male or Female M M
Age 3 3
Location Ohio Ohio
Reimbursement Level up to 100% up to 100%
Annual Deductible $500 $500
Annual Max Unlimited Unlimited
Price per month $87.23 $55.34

Deductibles & Claims

Depending on your plan, Trupanion has a flexible deductible, meaning you can choose your deductible based on the monthly payment you wish to have for your premium. Trupanion offers deductibles ranging from $50 to $1,000, or the option for no deductible at all. A lower deductible makes for a higher premium and a higher deductible makes for a lower premium. It’s all about what you’re comfortable paying out of pocket before you use your insurance.

Trupanion also has a very user-friendly claims process. You can submit your claim online or by mail, and they also have a mobile app that makes it easy to submit claims and track the status of your reimbursement. Trupanion can also deal directly with your chosen veterinarian to manage all filed claims. If your vet participates and has Trupanion’s unique payment software, Trupanion can pay your vet directly if the vet accepts Vet Direct Pay, which eliminates the reimbursement process.

What Does Trupanion Cover?

  • Accidents & Illnesses – Trupanion’s base policy covers a variety of accidents and illnesses, including cancer, diabetes, hip dysplasia, and more.
  • Alternative Treatment Options – Trupanion’s add-on policy covers a variety of alternative treatment options, such as acupuncture and chiropractic care, some states even have this option included in part of their core policy!
  • Up to 100% of Eligible Expenses – Trupanion’s base policy reimburses you for up to 100% of eligible expenses, which is one of the highest reimbursement rates in the industry.
  • Trupanion’s Optional Add-Ons – In addition to their base policy, Trupanion offers a Pet Owners Assistance package and the Breeding rider.
  • Foreign body ingestion
  • Hit by a vehicle
  • Dog bites
  • Cruciate ligament rupture
  • Poisoning
  • Oral injuries
  • Cancer
  • Growths and lumps
  • Stomach issues
  • Skin conditions
  • Chronic pain
  • Ear infections
  • Eye conditions
  • Cranial cruciate ligament injury
  • Urinary tract infections
  • Allergies
  • Hip and elbow dysplasia
  • Liver shunt
  • Thyroid disease
  • Some hereditary conditions
  • Some congenital conditions
  • Diabetes
  • Inflammatory bowel disease
  • Emergency and specialty care
  • Prescription pet food (when vet recommended)
  • Prescribed or vet-recommended supplements
Not Covered
  • Pre-existing conditions

Policy Limits & Exclusions

Trupanion does not have any payout limits, which is a great benefit for pet owners. This means that you will never have to worry about your coverage running out. The base policy covers a variety of accidents and illnesses and up to 100% of eligible expenses.

Pre-Existing Conditions

Trupanion does not cover pre-existing conditions. A pre-existing condition is any condition that your pet had before enrolling in a policy. This includes conditions that have been diagnosed by a veterinarian and conditions that show signs.

Rate Increases

It is not uncommon for pet insurance rates to increase based on updated data. The data might include specific health issues they see in pets depending on breed, age, and geographic location. This could be the case for your Trupanion plans. However, they will never increase your rates specifically based on your pet getting older.

Waiting Period

Waiting periods vary by state. Please see your state’s policy for full coverage details. However, unlike other providers, Trupanion does not have extended waiting periods for cruciate ligaments and hip dysplasia.

How to File a Claim

If your vet does not offer Vet Direct Pay, to file a claim, you will need to submit a veterinary invoice to Trupanion. You can do this online, by fax, or by mail. Once your claim is received, they will process it usually within two business days.

Reviews from Customers

Trupanion has excellent ratings from all over the web. Customers seem to like their easy claims process, their quick response times, and their helpful customer service. Just a few examples include:

“I have had nothing but good experiences with Trupanion. They are quick to respond to any questions or claims I have submitted. I have recommended them to all of my friends who have pets.” – Sarah K., Ohio

“Trupanion has been a lifesaver for my family. We have had to use their services several times, and they have always been there for us. I would recommend them to anyone.” – John W., California

“I was hesitant to get pet insurance, but I am so glad that I did. Trupanion has been there for me and my dog every time we’ve needed them. They are quick to process claims and always helpful.” – Jane D., New York

Find The Best Pet Insurance Companies in 2024

Our Verdict

Trupanion is a great pet insurance company that offers comprehensive coverage with no payout limits. They have some of the most comprehensive coverage within the pet insurance industry. The biggest draw of Trupanion, though, is it’s up to 100% payout amount. Most other pet insurance companies pay 70% of your claim, but Trupanion is dedicated to making sure you get your full 100%. This could add up to thousands of dollars in savings.

However, they do have a few drawbacks. First, they don’t cover pre-existing conditions, though most companies do not. Second, they have a waiting period of 5 days for accidents and 30 days for illnesses, which means if your pet gets sick two weeks into your plan, you can’t use the coverage, which again is common with most insurance providers. Overall, we think that Trupanion is a great choice for pet insurance, and we recommend them to our readers.

  • Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.
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