Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 60,508

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.9
  • Count
  • 5
  • 496
  • 60,508

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: Janet Simpson

Midnight trip to emergency for toxic symptoms had

Late Saturday evening, Tucker displayed odd symptoms such as wobbling of his head and his back legs kept collapsing. We watched him for about half an hour and then decided he was getting worse, not better. Off we went to an Emergency Animal Hospital, about 40 minutes from home, hoping for the best. The admitting vet examined him and questioned us as to possible toxins he might have been exposed to. The vet then decided that Tucker needed to be kept overnight until at least early afternoon on Sunday.He was placed on intravenous in both front legs for hours.We were allowed to take him home on Sunday afternoon and the vet felt he was going to be okay as they had flushed his system out. Tucker slept almost 6 hours after he got home , ate dinner and went back to bed for the night. Monday morning, Tucker was his usual bouncy and happy self. He has been fine ever since. We check our lawn and pick any mushrooms found daily and we watch that Tucker does not pick up any cigarette butts he might find on the street, as those were the two items the vet felt he might have swallowed.I submitted my claim to Trupanion about a week after out emergency vet experience and was very pleased that they responded so quickly upon receipt of my claim.I received payment within 2 weeks and was most pleased with Trupanions response.
5

out of 5

POSTED: | BY: Stella Barbieri

claim payments

my girl xena tore her patella and needed surgery and I have to say I am pleased with trupanion they are very courteous and paid claims promptly also answered questions I had wonderful expierence and xena is happy and well thank you trupanion
5

out of 5

POSTED: | BY: Robin Harber

I have been very pleasesd with Trupanion.

It is very nice to deal with an insurance company that does exactly what it says, with no hassles, mountains of paperwork or calls.
5

out of 5

POSTED: | BY: kelliann

amazing -- worth every penny!

From the people to the coverage and care --- 1000% worth it.
5

out of 5

POSTED: | BY: Carol A.

Pet Insurance that works!!

WE lost our beloved Appy after 3 emergency visits,2 in hospital stays, Our bills exceeded 11,000. Trupanion handled all quickly, with detailed explanations of every bill processed. Each bill thanked us for taking such good care of Appy. The payments with those bills and a prior surgery was almost 10,000. Being in the insurance industry for 30 years, I never recommended any pet insurance prior to this one. In addition, I got a sympathy card , and refund on the unused premium. I can't speak more hightly of the efficient staff and the program, and have recommended to others who have purchased this program. Thank you Trupanion for helping us through a very sad time.
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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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