Trupanion Australia

Trupanion Australia

97 reviews · Statistics

88% · 8510 · 10%
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Claim Resolution Time
  • <1 week (69)
  • 1-2 weeks (8)
  • 2-4 weeks (3)
  • 1-2 months (1)
  • 3+ months (2)
Claim ApprovedYes (73) · No (2)
Value for Money
4.5 (91)
4.6 (88)
Customer Service
4.7 (90)
No caps on claim amounts
Covers 90% of eligible costs
Speedy claims process
See the Best Pet Insurance in 2024 as rated by Australians on


97 reviews

The best insurance on offer

I have 3 dogs and 2 cats currently insured with Trupanion. I have made several claims and have always received prompt service. The biggest point that sold me was no annual limits and no sub limits! With very active dogs, the worry of anything orthopaedic occurring was high. They also covered my cats exploratory laparotomy surgery where his small intestine was resected as it started to die due to the hairball blockage. I accepted the Exam Day Offer during a routine vaccination appointment which was very easy to do and continue with when I converted the offer. Show details
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JABD2 posts

Supported our pup like a family member!

Really happy with the support Trupanion offered when our 10 week old pup managed to pull an ear ring out and swallow it. He had surgery and Trupanion were quick to review and reimburse.
All this whilst on the 30 day free insurance. So very thankful for that! Show details
Value for Money
Customer Service
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Alfie's Dad
Alfie's DadVICGreater Melbourne (Inner), VIC

Free Insurance for 30 days :)

I visited my Vet last week and saw they had Trupanion QR Code on the front counter.

The nurse mentioned because my puppy (Alfie) had a vaccination i could trial pet insurance for free.

Sounded to good to be true however, I scanned the QR code followed the prompts and got my policy docs without any hassle and no payment details are required.

Now Alfie is covered for 30 days without waiting periods, WINNING! Show details

William J.
William J.NSWSydney, NSW

A must have for pet owners!

My young cat was diagnosed with idiopathic epilepsy idiopathic epilepsy. Without Trupanion I wouldn't have been able to afford the cost of diagnosis for my cat let alone the medication it requires for the rest of its life. Trupanion has TRUly been a life saver for my Hazel. Show details
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SuziWestern Australia

No pay out limits is great

We signed up our 8 week old puppy via the introductory offer and the process to join was easy.
We have not had to claim yet but I really love the no payout limits which compared to other companies is really great for our family and takes the stress out of worrying if our insurer will pay out when we really need them. Show details
Scott N.
Scott N.TASNorth-West & West coast, TAS

Amazing Pet Insurance

I signed up my dog Luna for Trupanion with Zero Access as soon as I got her. She happens to have a recurring skin infection that has resulted in vet trips every couple of months plus a few other issues. It has been amazing to get 90% back on the costs. I have just been told that my vet may be able to place the claims in on the day for me so I only need to pay the gap.

The only negative is that they do not cover vet visits which mean any emergency visits are very costly as the out of hour fees are very expensive. Show details

Chelsea D.
Chelsea D.

This is the pet insurance you need!!

Couldn’t recommend Trupanion enough! After our 8 month old GSD needed lifesaving emergency surgery ($9,000) Trupanion were there to help ease some of our financial stress! Due to taking our boy home on Xmas day we paid in full & were reimbursed 90% - our excess. Our claim was approved and reimbursed with in 24 hours of being applied for. If you visit a linking vet Trupanion will review your claim before discharge meaning you don’t have to front all of the costs! Therefore you can pay just what you owe & they’ll take care of the rest. If you needed a sign to take out pet insurance, this is it! Don’t stress wondering if you can afford to save your pets life! Show details
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MuffinNSWMid North Coast, NSW
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K S.
K S.VICGreater Melbourne (Outer), VIC
Amy L
Amy LQLDSouth East Queensland, QLD3 posts


Trupanion has been nothing short of outstanding! We took out insurance for our GSD puppy, all major trusted companies whom I won’t mention promised everything but didn’t cover common issues and I’ve heard several horror stories of rejected claims at bill time not to mention you have to pay upfront!!. Not long after taking out Trupanion insurance my puppy went lame so needed hip and elbow X-rays costing over 1200$, not only did trupanion pay 90% of the bill, they also took the cost of my initial veterinary consult one week earlier off my excess!! It takes an incredible amount of stress out of what you’re going through. Highly recommended by me! Show details
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lilly luu
lilly luu
GagingiQLDSouth East Queensland, QLD4 posts
VickiG432Melbourne3 posts
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Best decision

Trupanion stacked up well when I was researching insurance for my new Groodle, Sebastian, but it was still hard to make sense of all the options and whether insurance was even worth the monthly expense. After a few big ticket vet bills and the quick and meaningful coverage provided by Trupanion, I feel super fortunate to have chosen them for those moments when you’d pay anything to support your pet but costs might put that commitment to the test. Best decision I’ve made. Show details

Questions & Answers

Sandra  G.
Sandra G.

How much a week for a male 8 week old puppy?

Grateful fur mum
Grateful fur mum  
Trupanion Australia
Trupanion Australia   DM   

Is this a Australian company


No y to o my knowledge it’s a US insurer that has an Australian insurance administration company (so it can provide its services inn Australia)

Trupanion Australia
Trupanion Australia   DM   

My cat has pre-existing condition (bladder infection) but it hasn't happened more than 12 month. He has nothing problem about health now.
Can he take an insurance ? and also , Will its pre-existing be covered by insurance in the future? He is still 4years old.



Trupanion has a single policy, with price options varying depending on the excess you choose. You can also add on optional extra cover, in the form of Recovery and Complementary Care, and a Pet Owner Assistance Package.

Plan Features

  • Trupanion’s single pet cover plan has unlimited payouts with no sub-limits. This means that the amount of money you’re able to get back for an eligible claim isn’t capped at any annual amount or at a sub-limit amount - which caps reimbursements for a specific condition.
  • The plan covers 90% of eligible costs for new injuries and illnesses.
  • Exclusions from coverage include pre-existing conditions, exam or consultation fees, and routine and preventative care.
  • You don’t have to wait to be reimbursed, as Trupanion allows you to pay your portion of the bill at the vet’s, while paying the rest of it on the spot.
  • A 30-day cooling off period allows you to cancel the plan if you change your mind. There is also no lock-in contract, so you can cancel your policy during the coverage period without continuing to be charged.

Premium and excess options

  • Flexible premiums allow you to lower the cost of your monthly premiums by choosing the amount of excess you want to pay, from no excess to a $1, 000 excess.
  • Policy holders also have lifetime, per condition excess. This means that once you pay the full excess amount for a condition, you don’t have to pay it again for the rest of your pet’s life
  • Premiums also don’t increase because you’ve made claims on your policy, or because your pet has gotten older.

Waiting periods

  • A 5-day waiting period applies for pets who have sustained an injury through an accident.
  • A 30-day waiting period applies for illnesses.

Points of praise from reviewers

  • A high claim approval rate gave pet owners peace of mind that they wouldn’t be left out of pocket when it came to their pet’s medical expenses.
  • Claims were approved quickly and easily, which reviewers appreciated. Friendly and helpful staff were available to answer the phone and guide pet owners through the claims process. These staff even followed up with pet owners on the wellbeing of pets after a claim had been approved.
  • According to reviewers, Trupanion makes good on its claim to cover 90% of costs minus excess, which is a high amount compared to other insurers.
  • Reviewers liked that payments were made by Trupanion directly to the vet, as this meant they weren’t left out of pocket.

CategoryPet Insurance
Annual Benefit Limit $100,000
Amount of Vet Bill Covered Up to 90%
Illness CoverIncluded
Routine Care CoverNot Included
Tick Paralysis Included
Emergency Boarding Fees Optional Extra
Lifetime Cover Included
Cooling Off Period 30 Days
Consultation FeesNot Included
Cruciate Ligament Conditions Included
Waiting Period for Illness 30 Days
Accidental Injury Cover Included
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Contact info for Trupanion Australia

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  • ABN: 33626393628
  • ACN: 626393628 has affiliate partnerships. These do not influence our content moderation policies in any way, though may earn commissions for products/services purchased via affiliate links.

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