Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 60,860

Pets can be full of surprises-so their insurance coverage shouldn’t be. That’s why Trupanion is dedicated to helping pets we love get the care they need. They’ve been around for more than 20 years, making them experts and setting standards for the industry. One perk of this, and what they pride themselves on, is the amount they pay out to pet owners for each claim. Paying out more on the dollar than any other pet insurance provider. To date they have paid out $2 Billion in claims and have insured nearly 1 million pets. Trupanion pets lead longer happier lives.1 Pets insured with Trupanion lived longer than pets without Trupanion because pet parents didn’t have to worry about the cost of the care their pet needed. Depending on the plan Trupanion covers up to 90% of eligible expenses, has unlimited payouts-always, and can pay your vet bill, within seconds, at time of checkout, so all you pay is your portion (anything not covered by Trupanion). They have transformed the way pet insurance handles claims by eliminating the reimbursement process. To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month. 1 Based on a November 2020 internal study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy. * Terms and Conditions apply. Policy details vary by state, please review your states policy for full coverage details. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay. Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Administered in Canada by Canada Pet Health Insurance Services, Inc. dba trupanion and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Please visit AmericanPetInsurance.com to review all available pet health insurance products. Source: Survey commissioned by dvm360, from April 19-June 9, 2022
5

out of 5

POSTED: | BY: Mandy

Claims are quick, easy, and hassle-free

Our dog Bailey had some genetic leg issues manifest early in her life that resulted in multiple surgeries over the course of 9 months. Trupanion was great. The claims process was super easy and we received our reimbursement usually within a week. If there was going to be a delay (usually due to our vet), Trupanion would contact us and let us know what was going on, if there was something we could do, and when to expect reimbursement. They have been fantastic. When you are busy worrying about your dog it's great to not have to stress over the financials.
5

out of 5

POSTED: | BY: Andrea VM

Very helpful

Trupanion is very helpful when you call, and they respond very quickly to claims. They have been a life saver for me this last month, as my dog has required many medical needs and Trupanion has been understanding and fabulous and fair!
5

out of 5

POSTED: | BY: Brock

Fantastic Service!!

My dog ate part of a toy chew rope, It was lodged in his intestines. He was very sick, x-rays could not see it. He become so sick they had to do exporitory surgery to find the rope. I received a call from the vet that not only had they found the rope his intestines had burst. He had a very slim chance of making it though the surgery and then the recovery of the poison in his system. Plus it would be costly for the recovery and surgery. The question was do you want to put in down! No, was the answer right away, do what every you can to save him. I got on the phone with the Trupanion and made sure all was covered and the folks on the phone was so nice and understanding as to the stress I had on me that day. They covered everything except my deductible and 10%. I had to pay up front to all the vets and ER but I received checks from Trupanion in a weeks time. I could not have asked for better service than that! FYI my dog is doing great and made a full recovery.
5

out of 5

POSTED: | BY: Gail Palatine

Fast claim response. Great customer service

My Labrador has been insured with Trupanion for 4 years. Unfortunately, she has gad a number of illnesses and several surgeries. Trupanion has been there for us. They always handled the claims rapidly and interacted with the Vets fir information when necessary. I am so glad I opted for Trupanion. I highly recommend Trupanion to all my friends with pets!
5

out of 5

POSTED: | BY: Jacqueline Klinger

Easy!!!

This is my first time having pet insurance. I was nervous the first time I had to file a claim. I have had nothing but great service! So easy to process claims, never a question! I will never go without pet insurance again!

Monthly Cost

Your monthly premium is determined by multiple factors including your pet’s species, gender, breed, age, zip code, and the deductible amount you choose if your policy allows.

Coverage

Depending on your plan, the Trupanion policy pays up to 100% of your vet bill for all eligible expenses. There are unlimited payout limits, always and Trupanion will never increase or cancel your coverage because of claims you submit. Coverage includes new accidents and illnesses, hereditary, congenital, and chronic conditions, diagnostic tests, hospital stays, and much more. Trupanion prides itself on paying out more on the dollar than any other provider and has paid out nearly $2 billion in claims to date.

Payout Limits

The Trupanion policy* has no payout limits, so whether your pet needs one quick visit or a lifetime of care, your coverage won’t quit. That can mean a big difference if your pet develops a chronic condition requiring extended care like allergies, diabetes, or even cancer.

Deductible

If your Trupanion policy has a deductible, you can customize it to fit your budget. You can choose from $50 to $1,000 in increments of $5, or choose to have no deductible at all. Trupanion deductibles are per-condition and good for the life of your pet. That means no annual resets-once a deductible is met, you never have to pay the deductible for that condition again.

Age Limits

All new pets can enroll from birth until their 14th birthday. Once your pet is enrolled, they can be enrolled for life

Waiting Period

Waiting periods vary by state. Please see your states policy for full coverage details. However, other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.

Exclusions

Trupanion was developed to protect you and your pet from unexpected illnesses and injuries. That means we don’t cover “predictable” care costs that you can plan ahead for, like: Examination fees Wellness and preventive care Elective, or cosmetic procedures Sales tax, where applicable Like many other pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early! * Terms and Conditions apply. Coverage may vary by state. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay. Underwritten in Canada by Omega General Insurance Company and GPIC Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Please visit AmericanPetInsurance.com to review all available pet health insurance products.
Trupanion was founded in 2000 with the goal to help pet owners plan for the unexpected and take the cost out of the care equation. They believe that the pets—and the veterinary professionals who help them—deserve better. That’s why Trupanion is a proud member of the North American Pet Health Insurance Association. We’re committed to sharing industry data, supporting animal welfare organizations, and working with federal and state regulators to help more pets get better care. Our members know we’re ahead of the pack, because there’s pet insurance—then there’s Trupanion: 24/7/365 Member Support—yes, even on holidays 20+ years of experience Nearly $2 Billion paid in claims Over 800,000 pets protected Unlimited Payouts The only provider that can pay your veterinarian directly at checkout* Accepted everywhere in the USA, Canada, Puerto Rico, and Australia * At participating hospitals

Get a quote today

Leave a review