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: Cindy

Foreign body indegestion

I am the owner of a 10 month old Shihtzu Pudel.I am very happy that I decided to get Trupanion insurance.I think the premiums are fair. I never thought I would have to use it as fast as I did. Customer service has always been great and all claims were worked on and paid fast.
5

out of 5

POSTED: | BY: Gillian

Trupanion has been awesome!

Our dog suddenly started having seizures in the middle of the night and we had to rush him to the ER. We hadn't really thought about our insurance, but just knew that we paid the monthly premium. After an overnight at the ER and $1500 later we still had no answers, but our dog was referred to a neurologist. We then proceeded with a specialist appt, follow-up to our vet, an MRI, a spinal tap, blood tests + 2 more overnight trips to the ER and medications meant for epileptic patients, all within a month. Luckily, we are closer to a diagnosis and are now treating him as an epileptic. Without our insurance we would not have been able to afford all of these tests and would be moreso in the dark. I have spoken with Trupanion on the phone several times and they have always been friendly and helpful. We were able to send in the claim forms right away and received payment very quickly. For example, I faxed in one form on a Friday afternoon and received a cheque on Wednesday of the next week. And the best part - no limits per claim! My ONLY complaint is that I wish that part of the exam fees were covered as they tend to add up after awhile!
5

out of 5

POSTED: | BY: Alla Lanina

I am very happy with Trupanion

They are always available for questions, review claims right away, make payments in a timely manner, cover what they agreed to cover
5

out of 5

POSTED: | BY: Christine Green

Great Company!

I'm very happy with Trupanion as our pet's insurance provider. Over the years, we have had 4 pets (dogs) registered with them, and each time they have been very helpful & polite on the phone, and the claims have been paid out correctly and on time in each instance. This has allowed us to give each of our pets the best possible care without concern about potential costs. I would highly recommend Trupanion!
5

out of 5

POSTED: | BY: JANET SCHEPPER

HAPPY CUSTOMER

I HAVE HAD TRUPANION FOR ABOUT 2 YEARS NOW AND THIS YEAR IS THE FIRST I HAVE REALLY NEEDED IT. MY sHIH TZU "ULI" SUDDENLY COLLAPSED. AFTER ALL IS SAID AND DONE TRUPANION FAILED TO TELL ME ABOUT HOW THE DEDUCTIBLE REALLY WORKED. THEN I CALLED AND TALKED TO A VERY NICE AND VERY INFORMATIVE REPRESENTIVE. SHE HELPED ME WITH OTHER OPTIONS THAT WAS AVAILABLE FOR THE DEDUCTIBLES, I AM HAPPY WITH THE OVER ALL RESULT AND DEFINITELY WOULD RECOMMEND TRUPANION TO OTHER DOG AND CAT OWNERS.

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 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

Get a quote today

Leave a review