The future of claims is here

At Trupanion, we’re redesigning the pet insurance claims process for the 21st century. Instead of you paying the bill and waiting for reimbursement, we can pay vets directly (in seconds!) at checkout.

australian collie dog with a trupanion collar jumping in the air

Vet Direct Pay explained

We’re the world’s first and only pet insurance provider to pay vets at checkout. And we do it in seconds.

Friendly dogs playing

No waiting.
No hassle.
No worries.

Remove the financial concerns of visiting the vet with over 60% of direct payments made within 60 seconds.

What if my vet doesn’t accept Vet Direct Pay?

It's okay if your vet isn't set up for direct pay! Just submit your invoice, and we'll reimburse you as quickly as possible — over 70% of claims are paid within 24 hours.

Dog watching laptop screen
Cat at vet

Paying for life-saving care is what we’re here for

Using pet insurance shouldn't cost you more. Unlike other pet insurance plans, we won’t hike your premiums just because you’ve used your coverage.

How Trupanion claims work

When your pet needs care, you just pay what you owe and we'll cover the rest. Remember, there’s no limit to how much we’ll pay out over the lifetime of your pet.

Based on a $3,000 bill:

We pay 90%


You pay 10%


Based on a member plan with 90% coverage and a $0 deductible. See our policy for full coverage details.

Real stories, real savings

We helped all these dogs get the best care and
saved their pet parents thousands in the process.

Customers dog


Vale, OR

CCL Tear, Histiocytic Sarcoma

Customers dog


Seattle, WA

Lymphoma, Elbow Fracture

Customers dog


Somerset, NJ

IBD, Pancreatic Enzyme Deficiency

Customers dog


Richmond, CA

Seizures, Giardia, Wound on Leg

Customers dog


New York, NY

Nasal Arterial Bleeding

Frequently asked questions

If your veterinary hospital is among the many that accept Trupanion Vet Direct Pay, all you need to do is tell your hospital that you have Trupanion coverage, and they’ll be able to submit your invoice right then and there, with processing and payment often taking just seconds.

Going to a hospital not set up for Vet Direct Pay? No problem! You can also file online through your account or submit manually by downloading a claim form. Learn more about filing claims with Trupanion.

You can download a claim form online, or you can contact one of our pet-loving Customer Care Representatives at 888.733.2685 and we will mail, email, or fax one to you.

We will send you a check in the mail. You also have the option to receive your claims payment directly into a checking or savings account via direct deposit. You can set this up by calling 888.733.2685.

Right here on the Trupanion website! Head on over to our actual claims and veterinary costs page.

There are many different ways to pay for your Trupanion membership costs. You can pay by debit card, credit card (Visa, MasterCard, or American Express) or set up monthly bank account withdrawals and your premium will automatically be charged each month.

If you have questions about your specific coverage costs, we invite you to contact our customer care team at your nearest convenience. Use our online chat, or give us a call at 888.733.2865.

Read more frequently asked questions
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