Trupanion Pet Insurance Review

Premium direct-pay pet insurance that pays your vet at checkout via Trupanion Express, with no reimbursement wait and no payout caps.

By Michael Hewitt, Founder & Editor-in-Chief.

Our verdict

Trupanion costs significantly more than competitors, and 90% is its only reimbursement rate. What that buys is Trupanion Express, which pays the vet at checkout, a per-condition deductible you pay once for life, and no annual or lifetime caps. It fits owners who would rather pay more each month than float a big vet bill.

Skip it if the monthly premium is your first concern, or you want a reimbursement rate other than 90%.

About Trupanion Pet Insurance

Premium direct-pay pet insurance that pays your vet at checkout via Trupanion Express, with no reimbursement wait and no payout caps. Trupanion Pet Insurance is offered by Trupanion Inc. Our editorial rating is 4.4 out of 5.

Best for: Pet owners willing to pay premium pricing for direct vet payment and lifetime per-condition deductibles.

Editorial grade: A- (composite score 84/100).

Highlights

Trupanion Express pays vet directly at checkout
Per-condition lifetime deductible (pay once per condition, forever)
Unlimited coverage with no annual or lifetime caps

What we like

Direct vet payment eliminates upfront out-of-pocket costs
Per-condition deductible never resets (pay once for each condition)
Covers hereditary, congenital, and breed-specific conditions for life

Where it falls short

Significantly more expensive than competitors (priced per pet; no published average)
Only one reimbursement rate (90%) with no flexibility

Fees, minimums, and rates

Monthly fee: Varies by quote (breed, age, location, deductible). Minimum to open: N/A. Rates and promotional offers change often, so check the provider's own page before you apply.

How we reviewed it

This is a desk review: we have not opened an account with Trupanion Inc.. It is built from Trupanion Inc.'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Pet Insurance shortlist. The rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology for how we review products.