Shop Trupanion Pet Insurance - Find Deals & Savings
Discover Trupanion pet insurance deals with direct vet payments, no payout limits, and hereditary condition coverage. Save on comprehensive pet protection today!
Save at Trupanion
Browse gift cards and coupon codes to save on your next purchase.
Active Coupon Codes
Limited time offer. Extra savings on select items at Trupanion.
20% off your entire Trupanion purchase.
Save on your first order at Trupanion. New customers only.
Free standard shipping on any order. No minimum purchase required.
About Trupanion
Trupanion is a leading pet insurance provider that helps pet owners manage unexpected veterinary costs through comprehensive coverage plans. Unlike traditional pet insurance companies, Trupanion focuses on direct veterinary payment systems and offers straightforward coverage without payout limits, deductibles that apply per condition rather than annually, and coverage for hereditary and congenital conditions. The company serves pet owners across North America who want financial protection against costly veterinary treatments while ensuring their pets receive the best possible care.
Why Shop at Trupanion
Direct Vet Payment System
Pay veterinary bills directly at participating clinics, reducing out-of-pocket expenses at the time of treatment
No Payout Limits
Coverage continues without annual or lifetime caps on eligible treatments
Per-Condition Deductibles
Once you meet the deductible for a specific condition, it's covered for life without additional deductibles
Hereditary Coverage Included
Protection for breed-specific and genetic conditions that other insurers often exclude
Fast Claims Processing
Streamlined approval process with most claims processed within minutes at participating veterinary hospitals
Customizable Coverage
Flexible deductible options and coverage percentages to fit different budgets and needs
Popular Categories at Trupanion
Accident Coverage
Protection for injuries from unexpected incidents, falls, ingestion of foreign objects, and emergency situations
Illness Treatment
Comprehensive coverage for diseases, infections, cancer treatments, and chronic conditions requiring ongoing care
Hereditary Conditions
Specialized coverage for breed-specific health issues and genetic disorders often excluded by other providers
Diagnostic Services
Coverage for veterinary examinations, blood work, imaging, and specialized testing procedures
Emergency Care
24/7 coverage for urgent veterinary visits, emergency surgeries, and critical care treatments
Prescription Medications
Coverage for veterinary-prescribed medications and therapeutic treatments related to covered conditions
How to Save at Trupanion
Choose Higher Deductibles
Opt for higher per-condition deductibles to reduce monthly premium costs while maintaining comprehensive coverage
Enroll Early
Sign up when pets are young and healthy to avoid pre-existing condition exclusions and secure better rates
Compare Coverage Percentages
Balance monthly premiums with out-of-pocket costs by selecting the right reimbursement percentage for your budget
Take Advantage of Waiting Period Policies - Understand coverage start dates to ensure protection begins as soon as possible after enrollment
Check for Available Discounts
Visit the Trupanion coupon codes page to find current promotional offers and enrollment incentives
Shopping Features Comparison
| Feature | Basic Coverage | Comprehensive Plan |
|---|---|---|
| Deductible Options | $0-$1,000 per condition | $0-$1,000 per condition |
| Coverage Percentage | 70%-90% of eligible costs | 70%-90% of eligible costs |
| Direct Vet Payment | ✓ At participating clinics | ✓ At participating clinics |
| Hereditary Conditions | ✓ Included | ✓ Included |
| Wellness Add-on | — | ✓ Optional |
| 24/7 Pet Helpline | ✓ Included | ✓ Enhanced support |
Frequently Asked Questions
How quickly does Trupanion process claims?
Trupanion processes most claims within minutes at participating veterinary hospitals through their direct payment system. For non-participating clinics, reimbursement typically occurs within 1-2 business days after claim submission with all required documentation.
What is the difference between per-condition and annual deductibles?
Unlike traditional annual deductibles that reset each year, Trupanion's per-condition deductibles apply only once per medical condition throughout your pet's lifetime. Once you meet the deductible for a specific condition, future treatments for that same condition are covered without additional deductible requirements.
Does Trupanion cover pre-existing conditions?
Trupanion does not cover pre-existing conditions, which are defined as health problems that show symptoms or require treatment before coverage begins. However, they do cover hereditary and congenital conditions that develop after the waiting period, provided no symptoms were present during enrollment.
Can I use any veterinarian with Trupanion insurance?
Yes, Trupanion allows you to visit any licensed veterinarian, specialist, or emergency clinic. Their direct payment system is available at participating hospitals, while non-participating clinics require you to pay upfront and submit claims for reimbursement.
What waiting periods apply to new Trupanion policies?
Trupanion has a 30-day waiting period for illness coverage and a 5-day waiting period for accident coverage from the policy effective date. Hip dysplasia has an additional 12-month waiting period for pets enrolled after 12 weeks of age.
Save at Trupanion
Browse gift cards and coupon codes to save on your next purchase.