How do I pay for pet insurance?

At Trupanion, we've designed our payment system to be as convenient as possible for our members. We understand that protecting your pet should be simple, which is why we offer multiple payment methods to suit your preferences and financial needs.

Our accepted payment methods include:

• Credit cards — We accept all major credit cards including Visa, Mastercard, and American Express. Your premium will automatically be charged each month to your selected card.
• Debit cards — Direct withdrawals from your checking account through your debit card provide a straightforward monthly payment option.
• Bank account withdrawals — Setting up automatic monthly withdrawals directly from your checking or savings account ensures seamless coverage continuation.

Why bank account payments are recommended

At Trupanion, we strongly recommend using bank account withdrawals for your monthly premium payments to maximize benefits.

Expedited claims processing

When your claims reimbursement method is linked directly to your bank account, we can process and deposit reimbursements much faster. With direct deposit capabilities, your claim payments can be sent electronically to the same account, eliminating longer wait times associated with paper checks.

Continuous coverage security

Unlike credit cards that expire every few years or may be frozen or cancelled unexpectedly, bank accounts typically remain stable for much longer periods. This stability can help to significantly reduce the risk of accidental coverage lapses due to payment issues.

No waiting for reimbursement

If your veterinarian is set up to receive direct payment from Trupanion, you may not even have to worry about filing a claim on your own and waiting for reimbursement. But if you do have to do this, we still want your experience to be as convenient as possible. With direct deposit to your bank account, you can eliminate the need to wait for a check in the mail or make a special trip to the bank. Your reimbursements arrive promptly, helping you manage your cash flow after veterinary expenses.

How often do I need to pay Trupanion for coverage?

At Trupanion, we've simplified our payment structure to make budgeting for your pet's healthcare needs as straightforward as possible:

• Monthly payments — We operate on a monthly membership model with automatic recurring payments. This approach spreads your premium costs evenly throughout the year, making it easier to incorporate into your monthly household budget.
• Automatic withdrawals — Once set up, your Trupanion premium will be automatically charged each month to your selected payment method, which helps ensure continuous coverage without the need to remember monthly payments.

Managing your Trupanion payments

We've designed our payment system to be worry-free. That said, there are still some best practices to follow to keep things simple and help maintain seamless coverage for your pet:

• Keep payment information updated — Promptly notify our customer care team of any changes to your payment methods or banking details to avoid any interruption in coverage.
• Update contact information — Ensure we have your current email and phone number so we can reach you immediately if there are any issues with your payment method.
• Access your online account — Trupanion's member online account allows you to view payment history, update payment information, and manage your account details securely.

What happens if I miss a payment?

At Trupanion, we understand that oversights can happen. If a payment issue occurs:

• Our team will attempt to contact you promptly using the contact information on file
• We provide a grace period to resolve payment issues before any impact to your coverage
• Our customer care representatives can work with you to get your payments back on track

We strongly recommend setting up automatic payments to avoid any potential coverage interruptions that could affect your pet's protection.

Getting assistance with your Trupanion payments

Our dedicated customer care team is available to answer any questions about your payments or policy:

• 24/7 customer support — Trupanion's customer care team is available 24 hours a day, 7 days a week, 365 days a year to assist with any payment questions or concerns.
• Multiple contact options — Use our convenient online chat feature or call us directly at 855.210.8749 for immediate assistance with any payment-related inquiries.
• Policy adjustments — Our team can help you understand how changes to your deductible or coverage options might affect your monthly premium.

At Trupanion, we're committed to making the payment process as simple and convenient as possible, allowing you to focus on what matters most — enjoying life with your healthy, happy pet.