Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 60,509

  • 60 Days
  • 1 Year
  • Lifetime
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  • 5.0
  • 4.7
  • 4.9
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  • 5
  • 496
  • 60,509

Updated: May 29, 2024

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: Anita Rice

Excellent!!! Turpainion is the Best!!!

My family just adopted 2 puppies in June. I covered both with Trupanion because I got a one month free trial with one puppy. I have had high vet bills in the past with previous pets so decided to keep it and cover both. Thank God I did because one puppy contracted parvo although he was given all of his shots to prevent it. It was very expensive (over $5K) to nurse him back to health because he had to be in 24 hour care for over 6 days. Trupanion saved the day for me and right before Christmas and my claim paid back over 80% of the overall costs. It was the first claim I ever made with pet insurance and every time I called for help with the claim all of the people I talked to were so helpful and compassionate. They were patient with me and always answered all my questions plus all of them told me they would be thinking of my sweet puppy and wished him the best. Because of them I was able to get through the entire horrible ordeal and my puppy is back to being a happy and healthy 10 month old puppy again. I will never own another pet without Trupanion. I have recommended them to lots of people I know and told everyone at the vet offices to refer other pet owners to them. THEY ARE THE BEST!!!! THANK YOU TRUPANION!!!!
5

out of 5

POSTED: | BY: Robyn Gallacher

Quick service

My newfoundland has had 2 cruciate surgeries and recently broke one of her premolars which required removal. Trupanion has been there for each and every issue I have had and has processed and paid out our claims very quickly.
5

out of 5

POSTED: | BY: Sarah Jones

The BEST insurance for your dog

My 1 yr old dog started limping & turned out she had severe hip dysplasia in both hips. She needed double hip surgery. Trupanion has been a godsend. They are paying 90% of her surgery, all her meds, even her glucosamine chews. Now she is in rehab to help her get a full recovery, which is also covered. I never could have done all of this for my dog without them. It has made a stressful time easier. I highly recommend this company & getting insurance for your dog! My dog is a shelter rescue got her at 8 weeks & would never have guessed she would have hip dysplasia.
5

out of 5

POSTED: | BY: Matthew Perrapato

Mya and Mokka

Start to finish Trupanion was there for us. They made the whole experience easy and stress free . I honestly feel that they truly care about ours dogs well being. I've been working with Stella and she has been such a pleasure to work with she is friendly amd knowledgable. She treatsy wife and I like family and cared about our dogs as if they are hers.
5

out of 5

POSTED: | BY: Brenda Loner

Wonderful Insurance

Our little Yorkie, Rocky had a really hard time with pancreatitis. He had to be taken to our regular vet. four different times and then to the emergency vet and a specialist. Trupanion has been wonderful paying for the services we had to have to help Rocky. I would highly recommend this insurance.
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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
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