Trupanion Pet Insurance
Founded in 2000. Available in 50 states. BBB rating: A+. AM Best: A-.
Pricing by dog size
Monthly premium ranges for typical dogs. Actual pricing varies by breed, age, and ZIP code.
Small dogs
< 25 lbs
$28–$48/mo
Young dog
$45–$82/mo
Senior
Medium dogs
25–60 lbs
$35–$62/mo
Young dog
Large dogs
> 60 lbs
$48–$90/mo
Young dog
$70–$140/mo
Senior
Brachycephalic breeds
Bulldogs, Pugs, French Bulldogs, etc.
$55–$105/mo
Plan options
Coverage details
What Trupanion covers, and what costs extra or isn't included.
Waiting periods
Enrollment requirements
Pros and cons
Strengths
- ✓ Direct vet pay at point of service
- ✓ No per-incident or annual caps
- ✓ No orthopedic waiting period
- ✓ Per-condition deductible (lifetime)
Weaknesses
- ✗ Higher premiums
- ✗ Only 90% reimbursement
- ✗ 30-day illness wait
- ✗ Age limit of 14
- ✗ No dental/behavioral/alternative
Best for
- → owners wanting direct vet pay
- → high-risk breeds
- → those wanting no orthopedic wait
Less ideal for
- → budget-conscious buyers
- → senior dog enrollments
- → those wanting lower reimbursement/lower premium
Frequently asked questions
How much does Trupanion cost?
Trupanion premiums start at $28/month for small young dogs and range up to $140/month for large senior dogs. Actual pricing depends on breed, age, and location.
Does Trupanion cover hereditary conditions?
Yes, Trupanion covers hereditary and breed-specific conditions.
What is Trupanion's waiting period?
Trupanion has a 5-day accident waiting period and 30-day illness waiting period. Orthopedic conditions have a 0-month wait.
Is there an age limit for Trupanion?
Yes, Trupanion only enrolls dogs up to 14 years old.
Compare Trupanion
See how Trupanion stacks up against other top providers.
Get your free cost report
Enter your email and we'll send a personalized breakdown of costs.
Last verified: 2026-05-12