Trupanion Pet Insurance Review 2025

Trupanion offers an accident and illness pet insurance plan but not an accident-only plan. You can also purchase add-ons to cover expenses such as burial or cremation costs, behavioral modification and physical therapy. Trupanion does not offer a wellness plan for routine exams and preventative care.

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1

Lemonade

Deductible

$100, $250, $500, $750

Reimbursement %

70%, 80%, 90%

Annual Maximum

$5,000, $10,000, $20,000, $50,000, $100,000

1

Lemonade

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2

Fetch

Deductible

$300, $500, $700

Reimbursement %

70%, 80%, 90%

Annual Maximum

$5,000, $10,000, $15,000

2

Fetch

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3

Spot

Deductible

$100, $250, $500, $750, $1,000

Reimbursement %

70%, 80%, 90%

Annual Maximum

$2,500 - Unlimited

3

Spot

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Accident and Illness Insurance

Trupanion offers coverage for unexpected illnesses and injuries under one comprehensive plan. It covers problems such as:

	Accidents Such as lacerations, getting struck by a vehicle, broken teeth and swallowing foreign objects.
	Illnesses Such as allergies, cancer, congenital and genetic conditions, diabetes and skin infections.
	Hospitalizations Such as emergency care and surgeries (including anesthesia), vet/technician time and rehabilitation services.
	Specialist Care This includes veterinarians, oncologists, behaviorists and internal medicine experts. This can also include alternative therapy and rehabilitation such as acupuncture, hydrotherapy and chiropractic treatment.
	Prescription Medication This includes prescription medicine for a problem covered by your policy, such as an ear infection. It can also include prescription food if it is prescribed by your veterinarian due to a problem covered by your policy, such as digestive issues.
	Diagnostics This includes tests like CAT scans, blood tests, MRIs and X-rays.

Trupanion Pet Insurance Add-Ons

You can add the following benefits to a Trupanion plan at extra cost:

The Pet Owner Assistance Package. This helps pay for expenses outside of veterinary costs, including:

• Boarding fees if you are hospitalized.
• Advertising and rewards for lost pets.
• Liability coverage if your pet damages someone else’s property.
• Vacation cancellation costs if you cancel your trip because your pet is ill or injured.
• Burial or cremation costs if your pet dies due to an accident.

The Recovery and Complementary Care Rider. This add-on covers non-clinical procedures, including:

• Acupuncture
• Chiropractic care
• Behavioral modification
• Physical therapy
• Homeopathy
• Hydrotherapy
• Rehabilitation therapy
• Naturopathy

Just like other pet insurers, Trupanion applies exclusions to a policy, such as:

• Pre-existing conditions that happen before coverage starts.
• Wellness care such as vaccinations, routine check-ups, or flea and tick prevention.
• Accident and illness vet exam fees.
• Sales tax if it applies to where you live.

Maximum Annual Limit Options

Some pet insurance policies cap the amount they will reimburse you in a given year. Trupanion has only one coverage limit: Unlimited.

Deductible Options

Before your coverage begins reimbursing you, you must pay a set amount toward vet costs, also known as the deductible. Trupanion offers deductibles from $0 to $1,000.

Reimbursement Options

After paying your deductible, your pet insurance company will reimburse you for vet costs up to a certain percentage, known as the reimbursement level. Trupanion has one reimbursement level: 90%.

Pet insurance companies typically have what’s called a waiting period, which is the amount of time before your coverage begins to reimburse you for vet costs. After your waiting period expires, your pet insurance coverage will kick in. Trupanion has the following waiting periods:

• 5 days for accidents.
• 30 days for illness.

Trupanion pet insurance does not have an extended waiting period for problems such as hip dysplasia or cruciate ligament issues.

You can buy your pet a pet insurance plan from Trupanion from the time they are born until their 14th birthday. After your pet turns age 14, you’ll no longer be able to buy a new policy. But if you buy a policy before their 14th birthday and keep it, you’ll have lifelong coverage.

Company	Accident waiting period	Illness waiting period	Special waiting period
Pets Best Elite	3 days	14 days	6 months for cruciate ligament conditions
Figo	1 day	14 days	6 months for cruciate ligament conditions (can be waived with an orthopedic exam)
Chewy Essential Plus	5 days	14 days	None
Trupanion	5 days	30 days	None

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Trupanion pet insurance costs an average of $120 per month for a dog and $63 per month for a cat, according to our analysis of pet insurance costs. That’s for a policy with unlimited annual coverage, a $250 deductible and 90% reimbursement level.

Trupanion Price Comparison for Dogs

Dog breed	Average cost per month for puppies age 3 months	Average cost per month for dogs age 3 years
Beagle	$102	$186
Bulldog	$139	$254
Dachshund	$75	$136
French bulldog	$154	$284
German shepherd	$114	$208
Golden retriever	$103	$187
Labrador retriever	$108	$197
Mixed breed (large)	$94	$172
Mixed breed (medium)	$72	$131
Mixed breed (small)	$56	$100
Poodle	$90	$162
Rottweiler	$199	$365

Source: Forbes Advisor research. Costs are based on unlimited annual coverage with a $250 deductible and 90% reimbursement level.

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Trupanion Price Comparison for Cats

Cat breed	Average cost per month kittens age 3 months	Average cost per month for cats age 3 years
Abyssinian	$50	$82
Bengal	$48	$78
Bombay	$40	$67
British shorthair	$44	$71
Exotic shorthair	$45	$73
Maine coon	$55	$90
Mixed breed	$40	$64
Persian	$44	$72
Ragdoll	$39	$63
Siamese	$40	$66

Source: Forbes Advisor research. Costs are based on unlimited annual coverage with a $250 deductible and 90% reimbursement level.

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Trupanion Costs vs. Other Top Insurers

Pets Best Elite

5.0

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Average Monthly Cost For Dog Insurance

$52

Average Monthly Cost For Cat Insurance

$24

Figo

4.3

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Average Monthly Cost For Dog Insurance

$75

Average Monthly Cost For Cat Insurance

$30

Chewy Essential Plus

4.2

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Average Monthly Cost For Dog Insurance

$89

Average Monthly Cost For Cat Insurance

$44

Embrace

4.2

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Average Monthly Cost For Dog Insurance

$75

Average Monthly Cost For Cat Insurance

$63

Spot

4.1

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Average Monthly Cost For Dog Insurance

$93

Average Monthly Cost For Cat Insurance

$45

Trupanion

3.3

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Average Monthly Cost For Dog Insurance

$120

Average Monthly Cost For Cat Insurance

$63

Source: Forbes Advisor research. Costs are based on unlimited annual coverage with a $250 deductible and 80% reimbursement level for dogs and cats, ages 3 months, 2 years, 5 years and 7 years. Chewy Essential Plus and Trupanion do not offer a 80% reimbursement level, rates are based on 90% reimbursement level.

Company	Forbes Advisor rating	Average monthly cost for dog insurance	Average monthly cost for cat insurance	Learn More
Pets Best Elite	5.0	$52	$24	See Plans
Figo	4.3	$75	$30	See Plans
Chewy Essential Plus	4.2	$89	$44	See Plans
Embrace	4.2	$75	$63	See Plans
Spot	4.1	$93	$45	See Plans
Trupanion	3.3	$120	$63	See Plans

Source: Forbes Advisor research. Costs are based on unlimited annual coverage with a $250 deductible and 80% reimbursement level for dogs and cats, ages 3 months, 2 years, 5 years and 7 years. Chewy Essential Plus and Trupanion do not offer a 80% reimbursement level, rates are based on 90% reimbursement level.

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Trupanion is available in all 50 states and Washington D.C.

Trupanion pays your vet directly if your vet has Trupanion’s software. If your vet or pet emergency hospital are not set up to accept direct payments from Trupanion, you can file a pet insurance claim:

• Online: You’ll need to log into your account and upload an itemized vet invoice
• Email or fax: You’ll need to download a claim form and send it along with an itemized vet invoice to Claims@Trupanion or fax at (866) 405-4536.

We examined the digital experience offered by Trupanion and found that its mobile app lags behind top competitors. You can manage a policy and submit claims through the app, but Android and Google users have it an average rating of only 1.6 out of 5.

The Trupanion website appears to offer a better experience. You can submit claims and pay online, which is convenient. And the website has a site search that we found to be helpful. The website also has live chat, and in our tests we got helpful responses in two to four minutes.

Trupanion sold its first pet insurance policy in 2000.

Trupanion pet insurance is underwritten by American Pet Insurance Co. and insures about 500,000 pets. In addition to offering pet insurance, Trupanion supports pet charities that work to improve the well-being and health of pets around the nation.

To find the best pet insurance, we collected data and scored each pet insurance company for several categories. Only pet insurers offering annual maximum coverage of $100,000 or unlimited were scored, so that comparisons were fair among companies. If a company has more than one top-scoring policy we show only the policy with the highest score.

• Pet insurance rates for mixed breed dogs (20% of score): We calculated average rates for medium sized mixed breed dogs age 3 months, 2 years, 5 years and 7 years for plans with unlimited coverage, a $250 deductible and a 80% reimbursement level, or the closest options available.
• Pet insurance rates for purebred dogs (20% of score): We calculated average rates for French bulldogs, German shepherds, golden retrievers, labrador retrievers and poodles age 3 months and 3 years for plans with unlimited coverage, a $250 deductible and a 80% reimbursement level, or the closest options available.
• Direct payment to vet (10% of score): Pet insurance companies that have the ability to pay a vet directly earned points. In order to receive points, this feature must be stated on the pet insurer’s website.
• Special waiting period (5% of score): Many pet insurance companies have a special waiting period for problems such as cruciate ligament issues and hip dysplasia. Plans that have no special waiting period, a waiting period of fewer than six months or the ability to have the waiting period waived scored higher. In certain states waiting periods are dictated by state law and may vary.
• 24/7 vet health line (5% of score): Insurers that provide access to a 24/7 vet health line earned points.
• Routine wellness plans (5% of score): Insurers that offer optional wellness plans earned points.
• Multipet discount (5% of score): Many pet insurance companies offer a discount if you insure more than one pet. Insurers that offer a multipet discount earned points.
• Digital experience (5% of score): We evaluated pet insurers on mobile app ratings for both Android and Apple, if there’s a useful website search function and if there’s a live chat that provides helpful information.
• Behavioral therapy (2% of score): Insurers that cover behavioral therapy in their base policies earned points.
• Alternative therapy (2% of score): Insurers that include alternative therapies such as acupuncture, chiropractic care and hydrotherapy in their base policies earned points.
• Dental illness (2% of score): Insurers that include coverage for dental illnesses, such as gingivitis and periodontal disease, earned points.
• Pays veterinary exam fees (1% of score): Policies that cover the vet exam fee received points. Not all insurers cover exam fees, even if the fee is for an illness or accident-related visit that’s covered by insurance.
• Stem cell therapy (1% of score): Insurers with coverage for stem cell therapy in their base policies earned points.
• Coverage for prescription food and supplements (1% of score): Insurers that reimburse for food and supplements prescribed by a veterinarian earned points.
• Euthanasia or end-of-life expenses (1% of score): Insurers that cover end-of-life expenses, such as euthanasia, cremation or burial fees, received points.
• Forbes Advisor customer satisfaction survey (15% of score):  We conducted two surveys of current pet insurance customers. 1) We surveyed 1,300 American pet owners with insurance that have purchased a new policy within the last 12 months, 100 per company. This online survey was commissioned by Forbes Advisor and conducted by market research company Talker Research, in accordance with the Market Research Society’s code of conduct. Data was collected from October 11-29, 2024. The margin of error is ± 1.5 point with 95% confidence. This survey was overseen by Talker Research, whose team members are members of the Market Research Society (MRS) and the European Society for Opinion and Marketing Research (ESOMAR). 2) We surveyed 1,300 American pet owners who have filed a pet insurance claim within the past 12 months. This online survey was commissioned by Forbes Advisor and conducted by market research company Talker Research, in accordance with the Market Research Society’s code of conduct. Data was collected from October 11 to November 4, 2024. The margin of error is ± 1.9 point with 95% confidence. This survey was overseen by Talker Research, whose team members are members of the Market Research Society (MRS) and the European Society for Opinion and Marketing Research (ESOMAR).

Read more: How Forbes Advisor rates pet insurance companies