Trupanion pet insurance rating: 1.4 out of 5 stars Trupanion stands out for having the easiest way to get payment directly to the vet. If your veterinarian has Trupanion’s VetDirect Pay software, they can submit your claim from the office and you won’t have to pay and then wait for reimbursement. Other pet insurers that pay the vet directly typically require you or the vet to fill out extra forms. Trupanion also has a unique lifetime per-condition deductible: You only have to meet the deductible once f ...