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 Whitmore

10/10 Exellent Service and Speedy Reimbursement

I chose Trupanion over several different providers for pet insurance due to several reasons. First being I got to choose the coverage I wanted for my pet. The policy has no cap on coverage limit and you can add coverage to the policy for different diseases that effect specific breeds i.e. hip displysia for large breed dogs. Me being the over analyser of everything I even made a spreadsheet comparing the different plans offered from other providers and all in all Trupanion came out ahead as being the most affordable choice for what I needed for my pet. We took our dog to the vet on Tuesday and biopsy done on Wednesay, filled out my portion of the claim form and gave it to the vets office to complete their portion on Friday. Got repsonses in my email stating that each claim was being processed that following Monday and by Friday got email approving the claims and how much reimbursement we will be receiving. Check arrived on Monday. It took Trupanion less than 10 days to process the claims and get our reimbursement in the mail. NOW THATS GREAT CUSTOMER SERVICE. We paid out $1700 in two days for our dog and was reimbursed almost $1100. I am so impressive with the customer service Trupanion provided I would recommend them to anyone and everyone that cares for their pets!
5

out of 5

POSTED: | BY: Blanche

Rate was increased after claim

My dog was bit by another dog in his ear and the ear is hard to heal. So after the initial emergency room visit there were several other visits for the continuing problem of this ear. Trupanion did pay, but I had to go back to them over the deductible, as they tried to charge me the $100.00 twice. They did send it back after my Doctor sent them a letter explaining that it was the same problem. So all in all they were good, but right after they paid me I was notified that my monthly policy cost was increasing. I am saying I will not recommend this company due to the rate increase and the initgial visit at the emergency room they paid no part of. They do no pay for Doctor's examination.
5

out of 5

POSTED: | BY: Debbie

Fantastic

I love this company...they have paid all of my claims for my dog without any questions and the best part is that it was all done in less than a week. I am so glad I have this insurance for my dogs. What a great feeling it is to know that if my dogs become ill I have trupanion to help me...Thanks Trupanion
5

out of 5

POSTED: | BY: RACHEL

EXCELLENT

MY DOG ATE RAT POISON, RUSHED TO EMERGENCY STOMACH PUMPED AND 4 HOURS LATER RECIEVED CONTACT FROM TRUPANION! HAD BLOOD WORK DONE AT OWN VET, ON VITAMIN K FOR 4 WEEKS THEN MORE BLOOD WORK
5

out of 5

POSTED: | BY: Samantha Nervo

Trupanion has been a huge help

Roxy has used trupanion a few times this time for allergies. It has been a huge help, my vet was able to run allergy tests because trupanion will pay for them instead of just treating with meds to see if it gets better. I recommend it to EVERY pet owner it is a low monthly cost for a huge savings if your pet needs it.
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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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