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: Heather Fiodorowicz

Trupanion cares about your pet and cares about you

One of my two sibling cats wasn't behaving his usual "cuddle bug" self. Felix had vomited a couple times before I went to bed, I thought it was just a fur ball thing. When I awoke the next morning, I found that he had been vomiting throughout the night. Felix didn't eat, drink, go to the washroom or play with his brother at all that day. He would sleep and when I would pick him up, he would jump down and go hide. I felt like I was watching my cat die right before my eyes. It was Saturday afternoon and my regular vet was closed for the day, so I brought him to a 24 hour veterinary clinic where they kept him to run some tests. It was determined that Felix had a blockage (foreign body) in his intestines. In the process of preparing him to operate, he vomited up the tube that they had inserted and in doing so, he went into respiratory failure. As such, they could not continue with the operation. It was suggested that I take Felix to a facility that had a critical care unit and specialists that would watch over him. I transported Felix to another facility where they kept him for 6 days. During that time, Felix had a series of blood tests, x-rays, ultrasound and a successful operation to remove a fur ball from his intestines. The two facilities that I dealt with were great and submitted the claims to Trupanion upon my leaving. Trupanion had received my claim and sent me an e-mail within a couple of days to let me know and thanked me for taking such good care of Felix.
5

out of 5

POSTED: | BY: Wendy Gillespie

on-line

My dog was playing happily with 3 other dogs in a field and injured her tummy by an object left there carelessly by someone. I have insurance for myself and it is very important to give my dog Lucy the same. Because I love her so much, more then anyone, I would hate to be put in the situation should she need care I would not be able to provide for her. The altenative is to painful to even think about. I am so grateful to have medical insurance for her. Trupanion is wonderful, caring, and prompt. They care so much about our pet family. Dealing with Trupanion has been a pleasure. Everyone I have delt with over the last 3 years has been nothing but amazing. Thank you Trupanion. I would do without happily to give my Lucy mecical insurance. To know I have medical care if needed gives me peace of mind, love,respect and caring for her.
5

out of 5

POSTED: | BY: Victoria Luxton

Excellent Customer Service

We were very satisfied with the way our claim was handled by Trupanion.
5

out of 5

POSTED: | BY: Bruce Grainger

Excellent Service

Rex went in for surgery and Trupanion was there from start to finish . they were friends when we neede them
5

out of 5

POSTED: | BY: Janet Deal

Excellent!

Trupanion promptly and accurately processed my claim. The process was simple and they paid 90% after my deductible. With close to $3k in veterinary expenses this insurance has already paid for itself over and over again!
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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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