Trupanion Pet Insurance Review | Smart Change: Personal Finance | – Napa Valley Register

Best for Direct Payment to Vets

Although its premiums are among the highest out there, Trupanion’s coverage is also unusually generous. It allows direct payment to vets and unlimited payout amounts, both unusual features. Pets over 10 years old can be insured, which not all insurers allow. For these reasons, Trupanion made our list of the best pet insurance companies and is our best pick for direct payment to vets.

Looking for Pet Insurance Coverage?

Pet insurance offers coverage for accidents, illnesses, injuries, and routine exams, allowing you to properly care for your loyal companion. Click on your state to see how you can protect your four-legged friend!

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Trupanion Pet Insurance Pros and Cons


  • Makes direct payments to vets
  • No payout limits
  • Free 30-day coverage from some providers


  • Among the priciest companies
  • Only one plan is available; no wellness coverage
  • No multi-pet discount

Pros Explained

Makes direct payments to vets

Most pet companies use a reimbursement model — you pay for your pet’s care at the vet and get reimbursed after submitting a claim. Trupanion is among the few insurance companies that offers the option to pay the vet directly, meaning you don’t have to carry a bill until it is reimbursed.

Most pet insurance companies limit how much they will reimburse you in one or more ways — per incident, per year or per pet’s lifetime. Depending on the company and plan, the annual maximum can be as low as $3,000 — a figure you can quickly exceed if your pet has a major accident or develops a serious illness. Trupanion has no per-incident, annual or lifetime caps on coverage, giving you a substantial amount of protection.

Free 30-day coverage from some providers

You can qualify for 30 days of free Trupanion coverage if you get your pet from a participating shelter or breeder, or take your pet to a partnering veterinarian. The usual waiting period is waived, so pre-existing conditions are covered, but a $250 deductible will apply. There’s no obligation to continue coverage.

Cons Explained

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