Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 60,506

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.9
  • Count
  • 5
  • 496
  • 60,506

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: Kirk Kanesaka

Fast and Caring

This is the first time that I had insured my dog (a toy pom). As a pet owner, you always hope that you would never have to use it. This is my first time that I had to make a claim because my dog (a little over 2 years old) needed knee surgery. This was very traumatic and stressful for me since it would be the first time that my dog would be away from home and needed to be boarded. However, I must say, Trupanion really made things easy, stress and hassle free. My vet processed the paperwork for me and within 24 hrs, I already had an e-mail stating that it was being processed. Within 2 days, the expenses were processed and within a week, I already had my check. Trupanion followed up with an email asking how my dog was doing, which honestly, meant a lot to me. I do not know other insurances, but I would recommend Trupanion. Not only does my monthly cost went down since I enrolled, they are very much hassle free and most importantly, caring! THANK YOU SO MUCH Trupanion!
5

out of 5

POSTED: | BY: Patti

Great customer service

We have the pleasure of a 12 yro female Labrador who unfortunately now has Diabetes :-(Accessing the Trupanion forms are easy via the net. Email-customer service is excellent, thank you Heather Pike!!! It is nice to actually receive $s for claims submitted instead of lip service and never seeing the actual funds. It is good to read in the emails that Trupanion cares about our sick companion(s) - thank you! Replies to forms or questions is quick. Keep up the great work!
5

out of 5

POSTED: | BY: Erica

Golden Retriever Hip Displasia

When we got our golden retriever puppy Captain in July I didn't want to have the shocking vet bills that we have had from time to time with our cat so I got Trupanion pet insurance with a hip dysplasia rider. When Captain started limping, he had two office visits, x-rays, and finally an office visit with a surgeon. Trupanion not only paid 90% of most of the cost of those three visits and the x-rays, but they also pre-approved payment for 90% of his surgery which will total about $6,000. The turn around time from submitting my claims to receiving the checks was very fast - around 10 days I think. I am very thankful to be able to provide first class medical care to Captain without an extreme shock to my budget or, worse, having to watch him live in pain for the rest of his life since he's only 9 months old.
5

out of 5

POSTED: | BY: Emily

Great! Easy to work with and fast reimbursement!

Great! Easy to work with and fast reimbursement! Staff is very helpful in claim process.
5

out of 5

POSTED: | BY: Dave

Canine TPLO

Trupanion readily reimbursed for my dog's TPLO corrective surgery. There were no significant hassles with processing the claim.
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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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