Trupanion insurance
- pet
Last verified 2026-10-01
Every statement below is drawn from the sources listed at the foot of the page, and each fact names the one it came from.
- Official website
- https://www.trupanion.com/Source:U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Overview
- Founded
- 2000Source:U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
- Headquarters
- Seattle, WashingtonSource:U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
- Official website
- https://www.trupanion.com/Source:U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Products
- Insurance products
- pet
Source:U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30- Underwritten by
- American Pet Insurance Company (APIC)Source:U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Where it is available
- States available
- all 50 states, the District of Columbia and Puerto RicoSource:U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Coverage
- Coverage types
- New, unexpected illnesses and injuries
- Surgeries, diagnostic tests, and dental
- Behavioral and physical therapy
Source:Trupanionverified 2026-10-01- Waiting periods
- five-day waiting period for injuries and a 30-day waiting period for illnessesSource:Trupanionverified 2026-10-01
- Age restrictions
- all cats and dogs under 14 years of age are eligible to enrollSource:Trupanionverified 2026-10-01
- Eligibility notes
- dogs and cats only, no breed restrictions; owner must live in the United States, Canada or Puerto Rico, or at any US military base worldwideSource:Trupanionverified 2026-10-01
Getting a quote
- How to get a quote
- online
Source:Trupanionverified 2026-10-01
Claims
- How to file a claim
- direct payment to the veterinary hospital via Trupanion software
Source:U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Customer service
- Customer service channels
- phone
- live chat
Source:Trupanionverified 2026-10-01
Limitations
- Notable limitations
- vet exam fees and taxes are not included in the policy
- wellness and routine care fall outside of coverage
- pre-existing conditions are not eligible for coverage
- preventable conditions, such as certain parasites and dental problems that arise from missed routine cleanings, are excluded
Source:Trupanionverified 2026-10-01
Other verified information
- Claim submission window
- 12 months from the date of serviceSource:Trupanionverified 2026-10-01
Where to read reviews of Trupanion
We do not republish other sites' reviews, so there are no quotes or scores here. These are the places that host reviews of Trupanion, and each link goes to that company's own profile there. We did not write them, we do not moderate them, and we have no relationship with any of these sites.
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Tools for these insurance lines
Deterministic calculators with their method written out. None of them produce a quote.
- Deductible exposure explorerShows exactly how one loss splits between you and your insurer at each deductible level, and how much more of a loss you carry when you raise it.Open tool
- Insurance company comparisonPut two companies side by side on the facts we have verified, with the source for each one and an explicit gap where we have not verified something.Open tool
- Pet insurance comparisonWaiting periods, age restrictions, reimbursement and deductible options for the pet insurers in our database, showing only what has been verified.Open tool
Sources behind this page
Each fact above names one of these. The tier is where the document sits in our source hierarchy, and the retrieval date is when we last pulled the page.
U.S. Securities and Exchange Commission (EDGAR)Tier 1 · Government and regulators
Trupanion, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025Retrieved 2026-09-29
TrupanionTier 2 · The company itself
Is my dog or cat eligible for pet insurance?Retrieved 2026-10-01