Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 60,508

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.9
  • Count
  • 5
  • 496
  • 60,508

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: M Williams

Insurance should be mandatory for all pet owners

I enrolled my dog shortly after adopting him from the SPCA when he was 5 months old. It made sense to me and despite his relative good health over the years the beginning of 2012 has proven to be challenging for us and him. We noticed a lump on his gums and to make a long story short within 2 weeks of seeing vets and a specialist he had to have a mandebelectomy to remove the cancer and part of his jaw. Without pet insurance we still would have proceeded with the very expensive treatments but it would have resulted in a very hard time for us financially. Even though we still have to cover a large sum of money due to the very expensive fees associated with this type of surgery it is very helpful to know that we won't max out our credit cards and be broke for a long time. Our dog is recovering and our fingers are crossed that he will continue to live a long, happy and healthy life. Thanks Trupanion for offering peace of mind during very emoitonally stressful times.
2

out of 5

POSTED: | BY: Christina

Trupanion Experience

My 1yr old dog had diarrhea that just wouldn't go away so I took him into the vet. They gave fluids, did a fecal exam and prescribed meds. Total claim submitted was $203. They wanted every document under the sun on my pet. Every time I tried to explain that he was only 1 and this was his first illness so he doesn't have much of a file they insisted on more paperwork. As I hadn't settled on one particular vet and had taken him various plays for shots, heartworm meds etc. they asked for the contact info of every Vet he had seen so they could reach out to them. And after providing that info to someone over the phone and seeing nothing happen for over a week I send an email only to hear that she doesn't have any record of a call! So I fax in the receipts/records etc, a few more days go by and finally I get an email saying they are going to cover $56. I should probably add here that up to this point I've paid $900 in premiums. Then I realize that they didn't process the invoice for the Fecal exam. (the vet had put it on a separate invoice the next day because they couldn't get much of a sample on the first day). So I call in AND I send an email to be sure. Rep on the phone says she clearly sees the invoice as they received it on the very first day when I sent it the bills. Nothing happens. Days go by until I send another email stating how unhappy I am. I then get a response telling me they are going to reimburse me for $37 for the fecal exam. At the end of this, I
5

out of 5

POSTED: | BY: Teresa

Good service from Trupanion

In general the process of the claim if very easy to follow with Trupanion. The only part of the process that it's somewhat inneficient it's the response time from the clinic to get the medical records to Trupanion. Not sure if it's a lack of follow up from Trupanion or a lack of response from the Clinic since I need to be checking on both sides. Once Trupanion gets the information, the process is very efficient. I'm happy with the service but I'd be happier if the time of the claim is reduced by improving the process of getting the medical records in a shorter time (It took more than 1 week this time).
5

out of 5

POSTED: | BY: Sadie

very pleasant

thank you for your help sadie seems to be doing better may need another test early Feb to make sure liver medication is helping
5

out of 5

POSTED: | BY: Joann

Trupanion is a true companion to me and my pets!

Trupanion is the best. You have the opportunity to choose which type of coverage is best for you and your pet. Their response is always quick and thorough. If you have a problem filing a claim they contact your vet direct. I have two Golden Retrievers, and having Trupanion gives me piece of mind. Would highly, highly, highly recommend them to anyone. Thanks for having my back Trupanion!
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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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