Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 60,509

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.9
  • Count
  • 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: Mary Ellen

Trupanion works hard to satify your claim.

A sudden illness called Pancreatitis fell upon one of our loving dogs. Having Trupanion on my side took the financial stress out of the entire ordeal. Trupanion offers ONE awesome plan which makes it all so easy. Most important is the fact that there is total communication between you, them and the vet. So reassuring. Truly, the most compassionate reps. I have ever dealt with in any Co. Thank you everyone at Trupanion.
5

out of 5

POSTED: | BY: Maple

Exceptional customer service!

When we first purchased pet insurance I was skeptical. I figured that we would pay into it for the life of our pet and never use or when we did need it, it would be difficult to collect. The idea of a costly vet bill in our time of need swayed my decision so I decided to sign up and "see what happens". Recently, our 4 year old Rottweiler underwent a surgical repair for a lameness in her leg. At our vets recommendation we opted for a procedure (TPLO) that would allow our dog to return to the standard of life that she had been accustom to. Our vet contacted Trupanion to ensure that the procedure was covered and within hours we were approved and scheduling her surgery date. Once the surgery was completed additional follow ups were required for laser treatments, all covered. We have since completed those follow ups and our pup is on the road to recovery. Aside from paying our initial deductible, all monetary transactions were made between our vet and Trupanion, making it extremely easy for us not having to prepare claims forms and expense lists. In fact, we even received a check for fees paid upfront prior to the approval for the surgery. All of our dealings with Trupanion were very pleasant and you could tell that the people on the other end of the phone have true passion for what they do and a love of animals. I strongly believe that they understand that a pet is not just a pet but a member of your family. I really cannot say enough great things about Trupa
5

out of 5

POSTED: | BY: Stefanie

Amazing

I have only been with TruPanion for a few months ago. My puppy fractured his leg and TruPanion was super helpful, and processed each claim within a week to week and half. Its quite stressful when you find out how much it really costs for surgery for a pet. I was humming and hawing about insurance thinking it was going to be a waste of money. I highly suggest getting pet insurance as it is a lot cheaper than having to pay out of your pocket if something is to come up. And I would highly suggest paying a higher amount without a deductible, especially when they are still a puppy.
5

out of 5

POSTED: | BY: Karolina Gruhs

Stress free

Our dog Stewie fractured two teeth within a 3 week period and it was quite costly to have the first removed surgically and the second root canalled (a canine). Trupanion not only reviewed our claim and amazing speed but made it so easy and also checked in with us to make sure Stewie was doing well. Being able to have our claim submitted right from the doctor's office and constant email communication regarding claim status made this experience pleasant and so worth the monthly payments. I'd recommend Trupanion to anyone, and so does our dog's vet:)
5

out of 5

POSTED: | BY: D. Martin

Emergency Visit for Cat

I was very happy with the up-to-date status of my claim. The claim form its self is easy to fill out and submit for the doctor's and myself. Trupanion paid a considerable amount of my cats substantal bill.
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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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