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Trupanion Pet Insurance

Trupanion pet insurance

Founded and run by pet lovers, Trupanion is one of the fastest growing pet medical insurance provider in North America. Headquartered in Seattle, Washington, Trupanion is the only pet insurance company that is publicly traded. If you want to purchase a plan and buy some stock its ticker symbol TRUP on the NASDAQ Exchange.

Average Price
$37 - 57/mo.
A.M. Best Rating NR
BBB Rating A+
Customer Satisfaction ★★★★★ (4.6)
Total Reviews 12,197
Deductible $0 - 1,000
Reimbursement 90%
Annual Limit Unlimited
Waiting Period for Accidents 5 days
Waiting Period for Illnesses 30 days
Waiting Period for Orthopedic Coverage 30 days
Emergeny Care
Cancer Coverage
Orthopedic Issues
Hereditary Conditions
Chronic Conditions
Prescription Meds
Dental - Accidents
Cancer Coverage
Wellness and Routine Care
Vet Restrictions None

No pet insurance company covers pre-existing conditions


If you're looking for excellent accident and illness coverage then Trupanion insurance is a great choice. Here is a detailed breakdown of how we evaluate Trupanion coverage.

Accident and Illness Coverage

Trupanion offers excellent accident and illness coverage for dogs and cat. Here is a quick overview of policy details to give you an idea of what to expect when you enroll in Trupanion.

Deductible Type Per Incident
Annual Limits Unlimited
Lifetime Limits Unlimited
Deductible Options $0 to $1,000
Reimbursement Options 90%
Minimum Age for Coverage 7 weeks old
Maximum Age for Coverage 13 years old
Waiting Period Injuries 5 days
Waiting Period Illnesses 30 days
Orthopedic Waiting Period 30 days
Policy Exclusions Sample Policies

Additional Resources: Compare Pet Wellness Plans

Additional Coverage Options

Recovery and Complementary Care Rider

  • Acupuncture
  • Behavioral Modification
  • Chiropractic
  • Homeopathy
  • Hydrotherapy
  • Physical and rehabilitative therapy

Pet Owner Assistance Package

  • Advertising and reward
  • Boarding fees
  • Liability coverage for third-party property damage
  • Cremation or burial
  • Holiday vacation cancellation costs

Trupanion Sample Policies (Updated November 2016)


Trupanion offers one of the best major medical coverage options in the U.S. However, they are also one of the most expensive companies in the market today. Trupanion also charges a one-time administration fee of $35.00 at the time of enrollment.


Accident and Illness Costs

Here is a sample of dog insurance costs for Trupanion's standard accident and illness plan.

Trupanion Dog Insurance
Cost *
Mixed Breed Dog $58/mo.
Labrador Retriever $66/mo.
Yorkshire Terrier $64/mo.
Golden Retriever $74/mo.
Dachshund $83/mo.
Chihuahua $79/mo.
German Shepherd $66/mo.
Shih Tzu $91/mo.
Boxer $87/mo.
English Bulldog $87/mo.
Average for All Dogs $66/mo.

* Accident & illness coverage for a 3 year-old

And if you're more of a cat person here is a sample of cat insurance costs for the top 10 most popular cat breeds in America.

Trupanion Cat Insurance
Cost *
Mixed Breed Cat $45/mo.
Domestic Shorthair $50/mo.
American Shorthair $50/mo.
Siamese $54/mo.
Maine Coon $58/mo.
Persian $60/mo.
Ragdoll $48/mo.
Bengal $52/mo.
Russian Blue $60/mo.
Himalayan $58/mo.
Average for All Cats $45/mo.

* Accident & illness coverage for a 3 year-old

See Prices for Your Pet

Learn More: Pet Insurance Cost


Trupanion is one of the most trusted companies, which is illustrated by the fact that nearly 9 out of 10 customers are satisfied.

Source Avg.
Google 3.7
Facebook -
BBB 3.5
Yelp 2.5
Trustpilot 4.5
Shopper Approved -
Pet Insurance Review 4.7
Consumers Advocate 4.8
Consumers Affairs 1.6
Provider Reviews -
Total 4.6

Related Content: Pet Insurance Reviews


Trupanion offers one simple and comprehensive accident and illness plan to help you provide the medical care that your pet needs. Trupanion’s policy covers eligible expenses at 90% of the actual cost with no payout limits of any kind. You can also choose your deductible and reimbursement rate to fit your budget and goals.


Company Profile

American Pet Insurance Company
Seattle, Washington
Darryl Rawlings
60% of claims are settled the same day and 80% are settled within 5 days
Any licensed U.S. veterinarian
14 days

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