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: Anna Goad

Thank you, Trupanion!

Being a Purdue veterinary student and working as a receptionist at Paw Prints Animal Hospital has allowed me to see just how expensive pet emergencies/illnesses can be and how quickly they can occur. When I brought home my Dalmatian puppy (Ledger) almost two years ago, one of the first things I did was sign him up for Trupanion pet insurance. Thankfully, I made the right decision! Dalmatians produce high levels of uric acid and can be prone to bladder stones, so I knew turning to Trupanion was the right thing to do! He was indeed diagnosed with bladder stones this July and will now need an ultrasound of his bladder every 3 months to watch for future stone formation. If it weren't for Trupanion, I would have paid over $650 just to have the stones diagnosed and removed, and the future charges would have been waiting to add to the total cost. Thanks to Trupanion's fast claims service, 90% coverage, and rapid turnaround, I've already been reimbursed about $500 dollars! Ledger also has to eat a special diet (Hill’s U/D) to help prevent future stone formation, and Trupanion even covers approximately half of the food cost! I was able to set my own deductible, and the claims process is easy and fast! I highly recommend Trupanion to ANY pet owner. It not only has amazing benefits for puppies and kittens, but also older dogs and cats too! As a future veterinarian, I will recommend Trupanion to all of my clients! It's a wonderful feeling to know I can take care of my baby boy without wo
5

out of 5

POSTED: | BY: Kona

Mast Cell Cancer

My 5 year-old lab mix dog was diagnosed with mast cell cancer. She required two surgeries to remove and exam the cancer lesions. She has recovered and is doing well now thanks to the rapid and quality pet care. I am 100% satisfied with Trupanion and the quality customer service I received from them. They answered my initial questions on the telephone and promptly processed my claims within days. I would highly recommend this service to other pet owners.
5

out of 5

POSTED: | BY: Jill

Trupanion Reimbursement

Trupanion was very helpful when my 1yr old black lab developed a skin condition and possible heart condition. They were friendly and quick to reimburse the full amount based on my policy.
5

out of 5

POSTED: | BY: Michelle

The Best!

My baby had her second hip replacement recently and Trupanion of course covered everything again. I never had to worry and I had the check for almost $5000 in around a week. I was able to woory about my dog's recovery and not whether or not her insurance would pay. Have been reimbursed over $11,000 for many ailments over the past year and a half. So worth it!
5

out of 5

POSTED: | BY: Manuel

EXCELLENT!!!!

Prompt no hassles claims.
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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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