Trupanion has been providing pet insurance since 2000. They offer coverage for accidents, illnesses. No wellness coverage; optional Recovery & Complementary Care add-on They accept any licensed vet in the US. Deductible options: Sliding scale $0–$1,000 in $50 increments (per-condition, lifetime), with reimbursement rates of 90%.
Pricing
Starting at $30/month (up to $150/month)
Rating: 4.2/5
Unique Features
Per-condition lifetime deductible (pay once per condition ever)
VetDirect Pay™ — pays vet directly at checkout
90% fixed reimbursement rate
Unlimited lifetime coverage
No upper age limit (up to 14 years to enroll)
#1 recommended by veterinarians (dvm360 survey)
Over 800,000 pets insured
Exclusions
Pre-existing conditions (not covered, even if cured)