Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 60,508

  • 60 Days
  • 1 Year
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  • 5.0
  • 4.7
  • 4.9
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  • 5
  • 496
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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: Teresa Osborn

Great to work with

I've had Trupanion for several years. I started with them because they were the only company, at that time, that would cover seniors for illnesses. I've had one dog with an immune mediated disease, one who ripped a huge hole in her front leg, and one who, at age 9, developed seizures due to hydrocephalus. All claims were paid quickly and with little trouble. I did have to get additional information about what was thought a pre-existing condition, but after my vet wrote an explanation, all was covered. A+
5

out of 5

POSTED: | BY: Leanne Carter

Caring Company with generous insurance.

My Tibetian Terrior ate something. After explatory survey and emergency vet bills only haveing been enrolled for three months Trulanion paid their portion. They kept me up to date every couple days about the standing of my claim via email. I have not made a single call. Their emails alway start with nice thoughts like " aren't pets amazing.." Or " we are so glad your taking care of Bentley..." I am Shocked at the amount of positive contact I am receiving from this company.
5

out of 5

POSTED: | BY: Melissa Krueger

Superior Service!!

I have had Trupanion for about 9 months. I have had several claims already. Trupanion sends an email as soon as the claim is received, another once it's being reviewed, and another with the results of the review. They detail the coverage and the payment. I have a zero deductible so I pay the vet visit then 10%. That has been the case with each claim, no surprises. Truly a professionally run business, allowing you to worry about what you need to worry about. My veterinarian has been working with Trupanion for some time, and highly recommended them. I consider my veterinarian very knowledgeable about insurance. They see the coverage from different companies. The doctor carries it for her pets, and so do the office managers and vet techs. I do dog rescue for a non-profit organization so my concern for my own personal pets is very important. I have seen families that can't afford to care for their pets due to health issues. I don't ever want to have to make that kind of decision. I have had other pet insurance coverage, and I am not running anyone down but I have been very pleased with Trupanion. I recently had an emergency vet visit. I was there for around 14 hours. On arrival I gave them my pet insurance information. There were no issues and I wasn't required to be put down a 50% deposit. Others without insurance were required to put a 50% deposit down before their pet could be treated. That day I watched many owners leave in tears due to losing their
5

out of 5

POSTED: | BY: Cheryl Bishop

Great Service

My best friend got Trupanion for her cat after I told her about the benefits of pet health insurance. It's literally paid off for her. Her cat had 2 trips to the emergency animal hospital, one which required surgery. Trupanion was good to its word: paid 90% of the bills excluding examination fees. My friend chose not to have a deductible so that helped,too. Without Trupanion, my friend would have had to have her cat euthanized because of the emerg. vet. costs. I also have Trupanion for my dog. She has a monthly Rx expense and Trupanion pays 90% of it. I, too chose a $0.00 deductible. I would never have another pet without getting it covered by Trupanion.
5

out of 5

POSTED: | BY: Flo

First claim takes awhile others are quicker

Very quick responses once the initial claim was approved. Customer service is very helpful
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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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