Trupanion
Chronic conditions & direct vet payment
Comprehensive
Est. monthly (dog)
~$65/mo
Est. monthly (cat)
~$46/mo
Reimbursement
90%
Annual deductible
$0 per condition (lifetime)
Annual max
Unlimited
Age range
8 weeks – 14 years
Illness wait
Varies by state/policy
Accident wait
Varies by state/policy
✗ No coverage for pre-existing conditions
Praised for
- ✓Per-condition deductible — pay it once, not annually, per condition
- ✓VetDirect Pay: participating vets bill Trupanion directly at checkout
- ✓No annual or lifetime payout caps
Watch out for
- ✗Only 90% reimbursement; no other tier options
- ✗Waiting periods vary by state/policy
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