Trupanion's pet insurance scores 2.35 out of 5 for cats and dogs in MoneyGeek's analysis. The company excels in coverage quality, earning a 4.34 score and ranking second nationally. Affordability remains a weakness, with a low 1.67 score that ranks seventh among competitors. Trupanion requires a five-day waiting period for accident coverage, which is standard for most providers.
Trupanion Pet Insurance Review
Updated: October 15, 2025
Advertising & Editorial Disclosure
Trupanion Pet Insurance Review: Key Takeaways
Trupanion ranks seventh for affordability in cat and dog insurance, with monthly premiums averaging $84 for cats and $223 for dogs.
Trupanion ranks fifth nationally in customer experience, maintaining an A+ BBB rating and scores 4.2 out of 5 on Trustpilot.
Trupanion ranks second nationwide for coverage quality, offering a comprehensive accident and illness plan with a 90 percent reimbursement rate and no payout limits.
Trupanion Pet Insurance Ratings
Data filtered by:Results filtered by:
Select
Pet Type:Dog
| Affordability | 1.67 | 7 |
| Coverage | 4.34 | 2 |
| Customer Experience | 2.22 | 5 |
| Overall Score | 2.35 | 7 |
WHO IS TRUPANION PET INSURANCE BEST FOR?
Trupanion ranks among the best pet insurance companies for owners who want unlimited lifetime payouts and comprehensive coverage. The provider covers hereditary conditions, exam fees and behavioral issues without extra costs. Pet parents needing immediate accident coverage should consider the five-day waiting period.
Trupanion Pet Insurance Ratings by State
Trupanion offers pet insurance policies nationwide. The company achieves its best overall ranking of fifth place for cats in 18 states, while dogs rank seventh across all 50 states. Trupanion performs strongest in coverage, ranking second nationally for cats and dogs. Although it doesn't hold top overall positions, the company maintains steady performance in customer experience nationwide.
Data filtered by:Results filtered by:
Select
Category:Overall Score
Select
Pet Type:Dog
| Alabama | 2.35 | 7 |
| Alaska | 2.35 | 7 |
| Arizona | 2.35 | 7 |
| Arkansas | 2.35 | 7 |
| California | 2.35 | 7 |
| Colorado | 2.35 | 7 |
| Connecticut | 2.35 | 7 |
| Delaware | 2.35 | 7 |
| Florida | 2.35 | 7 |
| Georgia | 2.35 | 7 |
| Hawaii | 2.35 | 7 |
| Idaho | 2.35 | 7 |
| Illinois | 2.35 | 7 |
| Indiana | 2.35 | 7 |
| Iowa | 2.35 | 7 |
| Kansas | 2.35 | 7 |
| Kentucky | 2.35 | 7 |
| Louisiana | 2.35 | 7 |
| Maine | 2.35 | 7 |
| Maryland | 2.35 | 7 |
| Massachusetts | 2.35 | 7 |
| Michigan | 2.35 | 7 |
| Minnesota | 2.35 | 7 |
| Mississippi | 2.35 | 7 |
| Missouri | 2.35 | 7 |
| Montana | 2.35 | 7 |
| Nebraska | 2.35 | 7 |
| Nevada | 2.35 | 7 |
| New Hampshire | 2.35 | 7 |
| New Jersey | 2.35 | 7 |
| New Mexico | 2.35 | 7 |
| New York | 2.35 | 7 |
| North Carolina | 2.35 | 7 |
| North Dakota | 2.35 | 7 |
| Ohio | 2.35 | 7 |
| Oklahoma | 2.35 | 7 |
| Oregon | 2.35 | 7 |
| Pennsylvania | 2.35 | 7 |
| Rhode Island | 2.35 | 7 |
| South Carolina | 2.35 | 7 |
| South Dakota | 2.35 | 7 |
| Tennessee | 2.35 | 7 |
| Texas | 2.35 | 7 |
| Utah | 2.35 | 7 |
| Vermont | 2.35 | 7 |
| Virginia | 2.35 | 7 |
| Washington | 2.35 | 7 |
| West Virginia | 2.35 | 7 |
| Wisconsin | 2.35 | 7 |
| Wyoming | 2.35 | 7 |
Trupanion Pet Insurance Comparison
Trupanion's coverage and pricing differ from other national pet insurance providers.
Trupanion vs. Embrace | • Dogs: 2.35 vs. 2.95 • Cats: 2.35 vs. 2.45 | Embrace is more affordable, while Trupanion offers stronger coverage. Both rank lower in customer experience. |
Trupanion vs. Figo | • Dogs: 2.35 vs. 3.35 • Cats: 2.35 vs. 3.45 | Figo leads in affordability, but Trupanion has better coverage. |
Trupanion vs. Pets Best | • Dogs: 2.35 vs. 4.25 • Cats: 2.35 vs. 4.25 | Pets Best outperforms Trupanion in affordability, service and overall scores, while Trupanion offers strong coverage. |
Trupanion vs. Prudent Pet | • Dogs: 2.35 vs. 3.25 • Cats: 2.35 vs. 3.10 | Prudent Pet excels in customer service, while Trupanion has stronger coverage. |
Trupanion vs. Pumpkin | • Dogs: 2.35 vs. 3.50 • Cats: 2.35 vs. 2.50 | Pumpkin has lower costs and better service, but Trupanion has stronger coverage. |
Trupanion vs. Spot | • Dogs: 2.35 vs. 3.60 • Cats: 2.35 vs. 3.90 | Spot offers better affordability and service, while Trupanion has better coverage. |
How Much Does Trupanion Pet Insurance Cost?
Trupanion's pet insurance costs an average of $223 monthly ($2,683 annually) for dogs and $84 monthly ($1,007 annually) for cats. Your premium depends on several factors, including your location and pet breed.
| Cat | $84 | $57 | $1,007 | $681 | 48% |
| Dog | $223 | $130 | $2,683 | $1,563 | 72% |
Trupanion Pet Insurance Rates by State
Pet insurance costs vary by state due to veterinary expenses and local claim patterns. For the cheapest pet insurance options, Trupanion costs $47 monthly for cats in Arkansas versus $125 in California. Dog coverage ranges from $126 in Arkansas to $330 in California, showing geographic differences in Trupanion's pricing.
Data filtered by:Results filtered by:
Select
Pet Type:Dog
| Alabama | $141 | $1,694 | Dog |
| Alaska | $184 | $2,207 | Dog |
| Arizona | $313 | $3,762 | Dog |
| Arkansas | $126 | $1,511 | Dog |
| California | $330 | $3,961 | Dog |
| Colorado | $316 | $3,793 | Dog |
| Connecticut | $250 | $3,003 | Dog |
| Delaware | $208 | $2,501 | Dog |
| Florida | $241 | $2,898 | Dog |
| Georgia | $188 | $2,252 | Dog |
| Hawaii | $210 | $2,523 | Dog |
| Idaho | $223 | $2,681 | Dog |
| Illinois | $326 | $3,908 | Dog |
| Indiana | $209 | $2,505 | Dog |
| Iowa | $174 | $2,096 | Dog |
| Kansas | $191 | $2,292 | Dog |
| Kentucky | $171 | $2,054 | Dog |
| Louisiana | $172 | $2,066 | Dog |
| Maine | $245 | $2,940 | Dog |
| Maryland | $222 | $2,671 | Dog |
| Massachusetts | $303 | $3,643 | Dog |
| Michigan | $223 | $2,679 | Dog |
| Minnesota | $245 | $2,938 | Dog |
| Mississippi | $157 | $1,878 | Dog |
| Missouri | $149 | $1,787 | Dog |
| Montana | $160 | $1,924 | Dog |
| Nebraska | $191 | $2,296 | Dog |
| Nevada | $266 | $3,196 | Dog |
| New Hampshire | $268 | $3,216 | Dog |
| New Jersey | $252 | $3,030 | Dog |
| New Mexico | $177 | $2,119 | Dog |
| New York | $244 | $2,934 | Dog |
| North Carolina | $188 | $2,257 | Dog |
| North Dakota | $144 | $1,736 | Dog |
| Ohio | $201 | $2,409 | Dog |
| Oklahoma | $171 | $2,050 | Dog |
| Oregon | $297 | $3,573 | Dog |
| Pennsylvania | $231 | $2,771 | Dog |
| Rhode Island | $186 | $2,233 | Dog |
| South Carolina | $199 | $2,387 | Dog |
| South Dakota | $165 | $1,979 | Dog |
| Tennessee | $198 | $2,380 | Dog |
| Texas | $280 | $3,367 | Dog |
| Utah | $183 | $2,198 | Dog |
| Vermont | $190 | $2,281 | Dog |
| Virginia | $240 | $2,883 | Dog |
| Washington | $214 | $2,573 | Dog |
| West Virginia | $170 | $2,046 | Dog |
| Wisconsin | $219 | $2,633 | Dog |
| Wyoming | $191 | $2,295 | Dog |
Is Trupanion Pet Insurance Expensive?
Trupanion ranks seventh in affordability for cats and dogs, making it a mid-range option rather than the cheapest choice. Use the filterable table below to see whether Trupanion is expensive for your pet's age group and your chosen deductible, annual limit and reimbursement rate.
Data filtered by:Results filtered by:
Select
Pet Type:Dog
Select
Pet Age Group:Middle Aged
Select
Deductible:$500
Select
Annual Limit:Unlimited
Select
Reimbursement %:90%
| $223 | $2,683 | 72% |
Trupanion Pet Insurance Discounts
Trupanion provides partner offers, enrollment promotions and employer-sponsored plans instead of standard percentage discounts. The company offers Exam Day, Go Home Day and Adoption Day promotions, plus worksite programs and referral bonuses that lower initial costs or reduce waiting periods.
Exam Day Offer | 30 days immediate coverage; first-month premium may be waived in some states | Activate within 24 hours of a qualifying veterinary exam; limited to pets under certain ages in some states |
Go Home Day Offer (breeder) | 30 days immediate coverage; may include discounted first-year payments in some states | Activated within 24 hours of a puppy or kitten going home from a participating breeder |
Adoption Day Offer (shelters/rescues) | 30 days immediate coverage | Provided through participating shelters and rescues; activation window varies |
Worksite/employer plans | Varies; may remove waiting periods or offer group pricing | Available when your employer or benefits vendor offers Trupanion as a worksite benefit |
Refer a friend (member reward) | Cash credit (example: $25 per referral, up to $100 a year) | Existing members who refer friends who enroll and remain members for a qualifying period |
Multi-pet discount | Not offered | Trupanion states it does not provide multi-pet discounts |
Trupanion Pet Insurance Customer Service Reviews and Ratings
Trupanion ranks fifth nationally for customer service with both cats and dogs. The company holds a high BBB rating and receives moderate scores on Trustpilot. Reddit users share mixed experiences with Trupanion's support team. Some customers praise the company's responsive service representatives, while others report frustrations with claim processing delays and approval issues.
Trupanion Trustpilot Reviews
Trupanion earns a 4.2 out of 5 rating on Trustpilot from verified customers who evaluate its service and claims handling. Most policyholders report positive experiences with Trupanion's coverage and support team. Trustpilot collects verified reviews to give consumers honest feedback about companies.
Trupanion Better Business Bureau Rating
Trupanion holds an A+ rating from the Better Business Bureau. The A+ grade is BBB's top rating, showing Trupanion meets its standards for trust and resolves customer complaints effectively. This rating indicates the company follows ethical business practices.
Trupanion Pet Insurance Reddit Sentiment
Reddit users show mixed feelings about Trupanion pet insurance. Our analysis of 16 comments found 44% were positive, with seven favorable reviews and nine negative ones. Users praised Trupanion's responsive customer service and clear policy language. Critics pointed to claim denials and coverage gaps as major concerns. These varied experiences highlight how different customers navigate Trupanion's claims process.
Trupanion Pet Insurance Coverage
Trupanion sells a single, lifetime-style medical insurance product that you can customize by deductible and payout percentage. The plan is built around unlimited payouts, a per-condition deductible that does not reset annually and a customizable payout percentage. Trupanion covers new, unexpected illnesses and injuries, diagnostics, surgery, hospitalization, specialty care and many rehabilitative and alternative therapies when eligible.
Deductible | Selectable from $0 to $1,000; deductible applies per condition for the lifetime of the pet |
Annual or lifetime limits | No annual or lifetime payout limits (uncapped payouts) |
Payout/reimbursement | Selectable payout percentage; payout equals chosen percentage of eligible veterinary costs after the deductible |
Typical covered services | Illnesses and injuries; diagnostics and lab work; imaging and surgery; prescription medications; inpatient care and specialist treatment; dental work resulting from an accident or illness |
Alternative and rehabilitative therapies | Reimbursable when provided or supervised by a licensed veterinarian and when covered under an applicable rider |
Pre-existing conditions | Excluded; conditions with signs or diagnosis before coverage or during waiting periods are generally not covered |
Bilateral conditions | Opposite-side conditions may be excluded if related signs existed before coverage or during a waiting period |
Waiting periods | Offers and programs can alter waiting periods; standard public FAQ indicate short waiting periods for injury and longer periods for illness, confirm state rules and offer terms |
Enrollment restrictions | Availability and specific terms vary by state; some offers target younger pets or have activation windows |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
Trupanion Pet Insurance Coverage Add-Ons
Trupanion offers optional enhancements in many markets that expand coverage for specific services or provide limited assistance benefits. Availability and exact benefit limits vary by state and plan.
Recovery and Complementary Care rider | Rehabilitative and complementary therapies such as acupuncture, hydrotherapy, physical therapy, chiropractic care and behavior modification when provided or supervised by a licensed veterinarian |
Pet owner assistance/extras package | Limited benefits such as advertising and reward for lost pets, third-party property damage liability where available, boarding fees, travel or holiday cancellation assistance and cremation or burial assistance; limits and eligibility apply |
Exam Day/Go Home/Adoption offers | Promotional short-term coverage that provides immediate protection and a path to continuing full coverage; not permanent policy features but common enrollment promotions |
Is Trupanion Pet Insurance Good: Bottom Line
Trupanion's pet insurance costs an average of $223 monthly for dog coverage and $84 for cats. The company ranks fifth nationally for customer experience, with an A+ BBB rating and 4.2 out of 5 on Trustpilot. Pet owners can select accident and illness coverage with optional wellness add-ons, though this provider does not offer accident-only plans.
Trupanion Pet Insurance Review: FAQ
Find answers to common questions about Trupanion pet insurance coverage and benefits.
Is Trupanion pet insurance worth it in 2025?
The company ranks second nationally for coverage quality, providing comprehensive benefits for cats and dogs. Affordability remains a concern with low scores in this category. Average premiums run $84 monthly for cats and $223 for dogs, making it a pricier option despite strong coverage.
What do Reddit users really think about Trupanion pet insurance?
Reddit users show mixed feelings about Trupanion pet insurance. Our data reveals 44% positive sentiment, with seven favorable comments versus nine negative ones. Common Reddit discussions highlight Trupanion's direct payment to veterinarians as a major advantage, but users frequently criticize lengthy claim processing times and strict coverage exclusions.
Does Trupanion cover pre-existing conditions for pets?
Trupanion excludes pre-existing conditions from coverage. The company makes an exception for curable conditions that remain symptom-free and treatment-free for 180 days before enrollment. Chronic conditions and cruciate ligament injuries are permanently excluded from future coverage.
Can I get a discount for insuring multiple pets with Trupanion?
Trupanion does not offer a multiple-pet discount. The company maintains the same pricing structure whether you insure one pet or several. You may qualify for other discounts through AAA membership, workplace benefits programs or veterinary partnerships.
Is Trupanion pet insurance available in my state?
Yes, Trupanion pet insurance is available nationwide in all 50 states. Premium costs vary by location. Cat coverage ranges from $47 monthly in Arkansas to $125 in California. Dog insurance costs between $126 monthly in Arkansas and $330 in California, making location a key factor in pricing.
How We Rated Trupanion Pet Insurance
Pet insurance shopping feels overwhelming with so many options available. We analyzed how Trupanion performs across the following key areas:
Affordability (50% of score): We gathered premium quotes for various pet breeds, ages and plan types, then factored in available discounts to reflect actual costs pet owners pay.
Customer Experience (30% of score): This score incorporates real customer reviews and ratings from platforms like Trustpilot and Reddit to gauge satisfaction levels.
Coverage Options (20% of score): We examined policy benefits, available add-ons and overall coverage breadth to assess how well plans meet diverse pet owner needs.
All pricing data uses standardized quotes for a 6-year-old Labrador Retriever and 7-year-old Ragdoll with $500 deductible, unlimited annual limit and 90% reimbursement rate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.