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: Ren L.

Thank God we had Trupanion

We spent thousands on our Pomahuahua over her 13 year lifespan, and when she passed in 2009, we decided that, were we to get another dog, we would buy insurance. Our vet suggested Trupanion. I went online, read about it and signed up. Smart! Smart! Smart!Within the confines of our $250 deductible, Trupanion has saved us thousands, as our new, 16-month-old Pomahuahua (aka Pomchi) is truly an adventure dog and has been bee-stung (anaphylactic shock), eaten rat poison and this week, was bitten in the face by a rattlesnake. I cannot say enough good about Trupanion.
5

out of 5

POSTED: | BY: Addie

Incredibly fast claims service

I wish every company i dealt with was half as incredible as Trupanion. My eight year old black Lab tore his ACL three weeks ago. The claim has already been paid. No hassles, no delay. Then, 10 days ago, he tore the other ACL. The claim for that was approved today. I am amazed at their service.
5

out of 5

POSTED: | BY: Michelle Yarrow

Thank God for Trupanion

We have had many dogs over the years and never had insurance for them. So when I was approached by my vet to get insurance for my new pup, a Bassett Hound cross, I had a double take. For some unknown reason I took the insurance. Well, it has paid for itself already, Charlie has been to the hospital twice. The first for something he got into, the second was he had a reaction to the medication his vet ordered for him. The 3 day stay in the hospital quickly added up. But, I felt relieved that I good give him the best possible care that he deserved. Trupanion is quick to respond, and cares about our pets. I reccomend them to anyone looking for the best for their pet.
5

out of 5

POSTED: | BY: Mickey

As advertised, THANK YOU TRUPANION!!

For many that are contemplating pet insurance for your beloved 4 legged family member, please read this. I've been with Trupaion for over a year now and spent about 20 hours researching pet insuarance plans/companies before choosing Trupanion. As with many things, we don't truly know if a person or company with follow through with what they say until it's time to put those words into action. My young 2 yr old cat(Mickey) had an accident which dislocated his tail. As is the case with most accidents or illness, it happened after my Vet of 10 years closed for the day.Trupanion covered 90% of the Vet bill, less the evaluation fee. The total bill was just shy of 3900.00.I received reimbursement of just shy of 3200.00. To my knowledge, Trupainon is the ONLY pet insurance company that reimburses 90% of costs that are after hours. Most might cover 70%. 20% is a huge amount as after hours costs are exceedingly higher than our normal Vet costs. When choosing an insurance company, this was a key reason for choosing Trupanion. I received my reimbursement within 30 days of sending in my first claim. Certainly no complaints there!! I never got the song and dance from Trupaion. My file on Mickey was up to date which makes the process allot easier.Each person I spoke with through this challenging time was genuinely concerned for the health of my Cat. Having pet insurance, the right pet insurance, will all but eliminate having to make that stomach renching choice, which isn't a mater o
5

out of 5

POSTED: | BY: Isla

2nd TPLO Surgery Completed

I would like to thank Trupanion again for the help they have provided to my loving pet, Isla, and I as we went through Isla's 2nd TPLO surgery within 5 weeks. We are 1 1/2 weeks post 2nd surgery now and she is recovering amazingly well, with hardly a noticeable limp! Isla is a 3 year old lab retriever cross and we can now look forward to many more active years together. Elk Lake Vet hospital where she had both surgery performed gave high compliments to Trupanion as being one of the best companies to deal with. Without Trupanion this would have been an even more traumatic situation to deal with; however, with their support it has been as painless for Isla and I as possible. Thank you so much Trupanion, again!!! Every pet owner should have Trupanion pet insurance!!!!
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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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