Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 78,273

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: Laz Newhall

I have been with Trupanion for over 4…

I have been with Trupanion for over 4 years and it has been the most effective and excellent service I have ever received from an insurance company. Not even the insurance company for humans treat you the same way Trupanion does. Their prices are consistent and more important, their responsiveness and customer services are excellent. Please allow them to be your partner for all your pet's needs. Fast, reliable and trustworthy. Thanks for taking care of my dog Trupanion :-) I just wanted to clarify a point after reading some reviews. Your monthly payment could go up every time you renew but the increases in my account have been reasonable. I have had years that the insurance does not increase at all which I appreciate. You always have the option of opting out if you disagree but is unfair to rate an entire service that a company has provided you over the years as poor because of this reason. Believe me, I would not like my premium to increase at all, but over the years, the company has treated me and my dog amazingly. I understand that every case is different but please understand that there is an entire team behind the Trupanion name, not only the underwriters of the policy.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Mel Rampersad

TPLO surgery for Golden Doodle

Our 6 year old Golden Doodle Sophie unfortunately tore her cruciate ligament and had to have TPLO surgery to repair her leg in January 2020. We have had Trupanion insurance since Sophie was 8 weeks old and have been fortunate in that we have never had to make a claim as we never had any issues with her. TPLO surgery is pretty major and worrying for a pet owner to say the least. It also not cheap and can be a big hit to the pocket book. The day of Sophie's surgery we arrived to pick her up at the vet and received all the post operation information and then were told that Trupanion had already settled most of the bill under our policy. I was so impressed that my vet was able to contact Trupanion and they directly paid the vet so quickly vs. me having to pay the full $4000 bill and submit for reimbursement. On top of that they sent a follow up email with all details of what they covered and ended the email with a nice note asking us to give Sophie lots of hugs! Thank you Trupanion, you really do stand behind all that you advertise. For anyone looking for pet insurance, while you might find cheaper out there I can tell you from experience, Trupanion provides no hassle complete coverage for your pet when you need them the most!!
5

out of 5

POSTED: | BY: Carla Peracchia

No regrets

My 6 month old lab puppy got into my daughters ADD medication and chewed a few capsules. Fortunately we figured this out quickly and got him treated at the local emergency animal hospital and he’s now back home and doing well. I submitted the claim to Trupanion the day he came home from the hospital which was a quick and easy process. Within a few days I was given the summary of my claim and the money was in my account by the next day. I am extremely impressed by the ease and efficiency of the claim process and this experience assured me I made the right decision to purchase pet insurance with Trupanion.
5

out of 5

POSTED: | BY: Donna Berglas-Hess

Communication is great and very timely.

Communication is great and very timely.
5

out of 5

POSTED: | BY: Mary Foehringer

Easy and friendly

Easy and friendly
Please leave a review

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 Pet Insurance detail
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
Provider website

Get a quote today

Leave a review