Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 60,509

  • 60 Days
  • 1 Year
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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: Theresa Davis

I give them A+++, great service! claims paid fast

My 12 year old yorkie, Shor-tee, has had this insurance several years. Recently he was very ill could not breath and had to have a tumor removed. It was benign thankfully. My vets office faxed in the claim forms and I got a very quick response that Trupanion was processing them. Within a week I got checks for over $2100 which was just a few hundred less than I paid. This was several trips to vet and 3 nights in emergency care so I am so thankful I had insurance. My Shor-tee is doing great now and is more spoiled than ever. He is part of my family.
5

out of 5

POSTED: | BY: Heather Black

Responsive. Caring. Fast claims processing.

Our 2nd claim. Our dog was diagnosed with bladder stones and needed surgery. I submitted a pre authorization request for a Monday surgery at 5pm central time on a Friday night and had a phone call and approval by 8pm. Fabulous. They worked with our vet to get all the required records and receipts and our checks arrived within a week. I received phonecalls, well wishes and even a follow up call to ask how she was doing after surgery. My dog is my baby, and having her sick and in surgery was traumatic enough for me. The one bright light was knowing Trupanion was there for us and the caring and responsive attention they gave to us. The entire process was seamless from start to finish. I enthusiastically recommend them to anyone and give them my thanks for taking such good care of Bea.
5

out of 5

POSTED: | BY: Janice Radway

very efficient and responsive

Although I had hoped my policy would cover more, Trupanion processed my dog's claim quickly and efficiently. The check came very quickly after I was notified that the claim had been processed. When I had questions, the agent answered clearly and helpfully. Turned out, I had misunderstood the deductible policy.
5

out of 5

POSTED: | BY: KM

Excellent service

I received a one month free Trupanion policy from my vet. 2 weeks later my 6month old pup got diarrhea that he couldn't shake. He was getting dehydrated and I couldn't get enough water into him so I took him to the vet. He had to stay overnight and was ultimately diagnosed with a parasite that requires some pricey meds. Trupanion covered $1900 of the $2500 bill, I was impressed as I was expecting that a "free" trial would have me on the short end of the stick. The vet had put through a pre-authorization with the ins. co so I was aware that they would cover it which was reassuring as well.
5

out of 5

POSTED: | BY: Terry Lott

Trupanion cares!

Our 7 month old Min Pin puppy broke her left front leg while playing which required an expensive surgery to set her leg with a screw and pin. Trupanion responded quickly with a pre approval and the claim payment shortly after the final claim amount was submitted. I was very pleasantly surprised to receive a phone call from Trupanion asking how our puppy was doing and if we had any questions regarding our claim.
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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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