How do I file a claim with Trupanion?

We know how important it is to make the pet insurance claims process as simple and stress-free as possible — because when your pet isn't feeling their best, you shouldn't have to worry about paperwork. Filing a claim with Trupanion is quick and easy, and we're here to help every step of the way.

Your options for filing claims

We understand that life gets busy, especially when your pet winds up needing surprise medical care. So, we make things easy by giving you multiple options to file a pet insurance claim with Trupanion. We invite you to use the one that works best for you!

Option 1: VetDirect Pay™

If your veterinary hospital is one of the many that accepts Trupanion VetDirect Pay™, then you're in luck! You may not even need to worry about filing a claim yourself. Here's what to do:

1. Let your veterinary hospital know you have Trupanion coverage.
2. They can take care of submitting your invoice directly to us.
3. Our portion of the bill is often paid in seconds directly to your vet, so you can focus on your pet’s recovery

No hassle, no waiting, no out-of-pocket reimbursement delays.

Option 2: Submitting a claim yourself

If your veterinary hospital isn't set up for VetDirect Pay™, don't worry — you can still file a claim directly with us in just a few simple steps. Here are your two options for submitting a claim:

File online

Our online claims tool is designed to make the process as smooth as possible. Here's how it works:

1. Log in to your Trupanion account on our website or app.
2. Upload your pet's itemized invoice from the vet visit.
3. Provide some basic details about what happened.

That's it! Your claim will be processed quickly, and you'll be kept updated every step of the way. Click here to get started!

Submit manually – a flexible option

Prefer to submit your claim manually? No problem! Follow these steps:

1. Download the claim form from our website and fill it out.
2. Take a photo or scan of the completed form and your itemized invoice.
3. Send the documents to us via your preferred method:
• Email: [email protected]
• Fax: 866.405.4536
• Mail: (if needed)
  Trupanion Claims
  P.O. Box 25947
  Seattle, WA 98165

While we recommend emailing or faxing your claim for faster processing, we're happy to accommodate whichever method works best for you.

Helpful tips for a smooth claims process

• Double-check your documents! Make sure the invoice and claim form are clear and complete. Missing information can slow things down.
• Keep your pet's medical records handy. We may occasionally request additional details for certain claims.
• We're here to help! If you have any questions or run into any issues, don't hesitate to reach out to our friendly support team.

Why choose Trupanion?

As pet parents ourselves at Trupanion, we know your pets are family. That’s why we're here to make their care more affordable while providing you with robust protection. With features like VetDirect Pay™, fast claims processing, and 24/7 customer support, we make your pet's health our top priority.