Trupanion's pet insurance scores 2.35 out of 5 for cats and dogs in MoneyGeek's analysis. It scores 4.34 for coverage and ranks second nationally. Affordability remains a weakness, with a score of 1.67. It requires a five-day waiting period for accident coverage, standard for most providers.
Trupanion Pet Insurance Review
Updated: June 19, 2026
Advertising & Editorial Disclosure
Trupanion Pet Insurance Review: Key Takeaways
Trupanion ranks seventh for affordability for cat and dog insurance. It has monthly premiums of $84 for cats and $223 for dogs.
Trupanion ranks fifth nationally in customer experience, maintaining an A+ BBB rating and scoring 4.2 out of 5 on Trustpilot.
Trupanion ranks second nationwide for coverage quality. It delivers a comprehensive accident and illness plan with a 90% reimbursement rate and no payout limits.
Trupanion Pet Insurance Ratings
Data filtered by:
Dog
| Affordability | 1.66 | 7 |
| Coverage | 4.33 | 2 |
| Customer Experience | 2.22 | 5 |
| Overall Score | 2.35 | 7 |
WHO IS TRUPANION PET INSURANCE BEST FOR?
Trupanion ranks among the best for owners who want unlimited payouts, $0 deductible plans and direct vet payment. However, the provider requires a waiting period of 30 days for illnesses in most states, which can be a drawback for pet parents seeking a shorter timeframe.
Learn more about the best pet insurance options for your pet:
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. The company has good customer experience nationwide, though it doesn't offer the best pet insurance overall.
Data filtered by:
Overall Score
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 costs less, but Trupanion provides stronger coverage. Both rank lower in customer experience. |
• Dogs: 2.35 vs. 3.35 • Cats: 2.35 vs. 3.45 | Figo is more affordable. Trupanion provides better coverage. | |
• Dogs: 2.35 vs. 4.25 • Cats: 2.35 vs. 4.25 | Pets Best outperforms Trupanion in affordability, service and overall scores. Trupanion has strong coverage. | |
Trupanion vs. Prudent Pet | • Dogs: 2.35 vs. 3.25 • Cats: 2.35 vs. 3.10 | Prudent Pet excels in customer service. Trupanion provides stronger coverage. |
• Dogs: 2.35 vs. 3.50 • Cats: 2.35 vs. 2.50 | Pumpkin costs less and has better service. Trupanion has stronger coverage. | |
Trupanion vs. Spot | • Dogs: 2.35 vs. 3.60 • Cats: 2.35 vs. 3.90 | Spot is more affordable and has better service. Trupanion has better coverage. |
How Much Does Trupanion Pet Insurance Cost?
Trupanion's pet insurance costs an average of $223 per month ($2,683 annually) for dogs and $84 per month ($1,007 annually) for cats. Your premium depends on your location and your pet's 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. Cat coverage through Trupanion ranges from $47 monthly in Arkansas to $125 in California. Dog coverage runs from $126 in Arkansas to $330 in California.
Data filtered by:
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. The filterable table below shows whether Trupanion is expensive for your pet's age group and your chosen deductible, annual limit and reimbursement rate.
Data filtered by:
Dog
Middle Aged
$500
Unlimited
90%
| $223 | $2,683 | 72% |
Trupanion Pet Insurance Discounts
Trupanion doesn't provide pet insurance discounts to maintain a fair pricing structure that treats every pet owner equitably. It focuses on offering exceptional coverage, responsive customer service and fair value for its pet insurance plan.
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. The company has responsive service representatives, but there can be claim processing delays and approval issues.
Trupanion Trustpilot ReviewsTrupanion earns a 4.4 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. Different customers navigate Trupanion's claims process with varied results.
Trupanion Pet Insurance Coverage
Trupanion one pet insurance plan that's built around unlimited payouts, a per-condition deductible that does not reset annually and a consistent reimbursement rate. Trupanion's pet insurance coverage includes new, unexpected illnesses and injuries, diagnostics, surgery, hospitalization, specialty care and many rehabilitative and alternative therapies when eligible.
$0 to $1,000; deductible applies per condition for the lifetime of the pet | |
Unlimited | |
90% | |
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 | Eligible for reimbursement when provided or supervised by a licensed veterinarian and when covered under an applicable rider |
Pre-existing conditions | Conditions with signs or diagnosis before enrollment or during waiting periods are not covered |
Bilateral conditions | Opposite-side conditions may be excluded if related signs existed before coverage or during a waiting period |
5 days for accidents, 30 days for illnesses in most states. These waiting periods vary for the following:
| |
Enrollment restrictions | Only covers pets below 14 years old |
Direct vet payment | Offers to pay licensed veterinarians right at checkout, as long as the vet has the company's software installed. |
*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 has optional add-ons that expand coverage for specific services or limited assistance benefits. Availability and exact benefit limits vary by state and plan.
Recovery and Complementary Care | Covers rehabilitative and complementary therapies, including acupuncture, hydrotherapy, rehabilitative therapy, chiropractic care, and behavior modification and therapy |
Pet Owner Assistance Package | Covers advertising and reward for lost pets, third-party property damage liability, boarding fees, travel or holiday cancellation costs, and cremation or burial assistance |
Covers illnesses and injuries related to breeding, whelping and queening |
Is Trupanion Pet Insurance Good: Bottom Line
Trupanion's pet insurance costs an average of $223 per month for dogs and $84 per month for cats. It ranks fifth nationally for customer experience, with an A+ BBB rating and 4.2 out of 5 on Trustpilot. Pet owners can choose accident and illness coverage with optional wellness add-ons, but Trupanion does not offer accident-only plans.
Browse our review guides for the top pet insurance companies for your pet:
Trupanion Pet Insurance Review: FAQ
Is Trupanion pet insurance worth it in 2025?
Trupanion pet insurance is worth it for most pet owners in 2025. It ranks second nationally for coverage quality, with strong benefits for both cats and dogs.
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.
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
MoneyGeek scored Trupanion across three weighted categories:
Affordability (50%): We gathered premium quotes for various pet breeds, ages and plan types, then factored in available discounts to reflect what pet owners actually pay.
Customer Experience (30%): Scores are drawn from real customer reviews and ratings on Trustpilot and Reddit.
Coverage Options (20%): We reviewed policy benefits, available add-ons and overall coverage breadth to assess how well plans meet different 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 Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. He sets the research framework, data standards and content structure for his team. All content goes through his accuracy review before publication. Connor also writes in-depth guides and has spent more than four years covering insurance products across personal, commercial and specialty lines.
The research infrastructure Connor built covers auto, home, renters, life, health, business and pet insurance across pricing analysis, carrier research, customer experience and coverage evaluation. It includes over 6 million data points for business insurance across 408 industry areas, all 50 states and 16 vehicle types. The pet insurance side covers over 5 million profiles across 18 major providers, 100+ breeds and ages up to 20 years. Connor’s insurance research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Connor also talks with underwriters and carrier liaisons at Ethos, The Hartford, ERGO NEXT, Nationwide and State Farm, and monitors business and pet owner communities on Reddit. Those sources shape how his team evaluates carriers, structures rate analysis and writes for human buyers rather than search engines.
For questions about MoneyGeek's business and pet insurance content, contact him at connor@moneygeek.com or on LinkedIn.