Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 60,507

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.9
  • Count
  • 5
  • 496
  • 60,507

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: Marilyn Shelt

Trupanion is Excellent & EZ to do claims

Trupanion is Excellent. They keep in touch which a lot of companies do not do. I think they have the best plan available of the many I checked out.Looked at questions below - do you want to know last time I sent in claim and what it is for. That is the info I am giving. Have sent in about 8 claims. Dog is 18 months old.
5

out of 5

POSTED: | BY: Cathy Adam

Compassionate

Amazing Vet. A real lifesaver. For how horrible the attack was for my son and dog we are very grateful. Trupanion has made the refund process easy. Thank you
5

out of 5

POSTED: | BY: Maxine Stahl

Treatment for Pancreatitis

During December of 2012, My dog, "Phoebe", became ill and was diagnosed with Moderate Pancreatitis. She was very ill and in January of 2013 she relapsed and had to be treated again. She had to be hospitalized several times and between December of 2012 and throughout January of 2013, she had to be treated by the Vet with medications and there were several visits and stays at the hospital. Phoebe has recovered and thankfully Trupanion did cover the expenses that were allowed within the boundaries of my policy. Initially when I submitted the claims, Trupanion refused the claim based on an incident that Phoebe was treated for in 2010. Trupanion explained that there was the possibility that the problem in 2010 could have been a preexisting condition, therefore my claims for Phoebe were not eligible for coverage for the Pancreatitis. I immediately notified the company that I would appeal their decision. I spoke with the Veterinarian that took care of Phoebe in 2010 and he told me that he treated Phoebe for Gastroenteritis and that she had no symptoms at that time that would have indicated Pancreatitis, that the cause was from things that the dog had ingested and her digestive tract was reacting to it. He treated the upset and it cleared up and until December of 2012, she had no more problems with her stomach or digestive system. I obtained a letter from the Vet who treated Phoebe in 2010 explaining to Trupanion what Phoebe had been treated for(Gastroenteritis)
5

out of 5

POSTED: | BY: Shanna and

Amazing!

Trupanion is an amazing pet insurance company who takes care of my Hero Dog Holly. Holly is a seizure alert and Response Service Dog who was named the 2012 AHA Hero Service Dog. Trupanion generously donated their coverage to all 8 2012 and even the 2011 AHA Hero Dog Winners. Holly saves my life on a day to day basis. When Holly started having some medical problems, expensive testing needed to be done. Trupanion paid for 90% of her expensive medical bills. They were fast, nice and amazing at handling Holly's claim for her medical bills. Trupanion is an amazing company that I highly recommend. Holly the Hero Service Dog loves Trupanion.
5

out of 5

POSTED: | BY: Kathy

Handled my claim quickly and were very caring.

Very happy with Trupanion. They handled my claim in less than a week.The customer service reps were caring and helpful. They also cover 90% after my deductible so it was very easy to understand what was covered.
Please leave a review

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
Provider website

Get a quote today

Leave a review