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: Joanne

Thank goodness for Trupanion

I have never had pet insurance before. When I got my first American Mastiff, other AM owners suggested that pet insurance was of great importance. After several really good reports about Trupanion, I chose their policy for my dog. 4 months ago, I found out that she had an acl tear. The surgery was quite expensive and Trupanion came through like a champ. When I got my second AM, he was immediately added to my policy. I am retired and have a fixed income. Knowing that I can always care for my pets in the best way is a wonderful feeling. Thank you Trupanion.
5

out of 5

POSTED: | BY: Melanie

Trupanion Helped Sasha! Very Satisfied Member

I am very satisfied with the customer service and prompt reimbursements I have received from Trupanion Insurance. I have a 7 month old English Mastiff puppy. I have only had the insurance a few months but it has paid out over $4,000 in needed OCD surgery, diagnostics, medications, etc from specialty care. I would strongly urge all pet owners to prepare for the worst case scenario. Decisions for medical care should be made based on what your friend needs, not what you can afford. Purebred dogs like Sasha may be born with congenital problems and Trupanion is one of the few that will pay out on such claims. Sasha is well on her way to a good quality of life thanks to preplanning and a great insurance plan like Trupanion.
5

out of 5

POSTED: | BY: Tank

Great Insurance

People laugh when I tell them I have pet health insurance but we laugh last!! After purchasing our first puppy who was sick every time we turned around we started looking for insurance to help cover his vet cost. Of course when we got the insurance he started to be healthy once again. Then on Christmas Day he was playing and broke a toe nail and we discovered a lump in the back of his neck. We were at the vet 3 days later and surgery was done to remove the tumor and thanks to Trupanion they covered 90% of this bill. After all was said and done we only had to pay $53.50 for his surgery instead of the full amount. Love this company and I tell everyone I can about them!!!!!
1

out of 5

POSTED: | BY: Dee

Watch your credit card statements!

We had Trupanion for several months and made a few claims (nothing huge, no surgeries, etc.). About 9 months after inception of the policy, I received a call from a supervisor saying that Trupanion had accidentally forgotten to charge their customers' credit cards for several months -pretty loose accounting practices (I hadn't noticed as my husband handles them). The customer service supervisor gave me the option of continuing the policy and getting those months caught up by my paying them, or cancelling the policy altogether (even though I had made claims during that period). I decided to cancel the insurance as it was very expensive for our dog $84/month, and we weren't using it much. Fast forward seven months later. Today we received seven charges (all dated the same date) on our credit card bill, each $84. I called Trupanion and they argued that I needed to repay them what they had forgotten to bill me last year. I told them about the conversation I had with the supervisor last year. I also asked them why are they are trying to charge me NOW for those months? They replied, "Our end-of-year accounting showed that we never did." So, their accounting department has made two pretty serious errors on the same account, and I'm supposed to pay for it?
5

out of 5

POSTED: | BY: Dan

Great Insurance Company

My English Bulldog 'Tank' was sixteen weeks old when he was hospitalized, with a non-cardiac pulmonary edema and respiratory pneumonia. When he was omitted to the hospital he was struggling to breath and the doctors gave him hours to live. He spent the next 7 days (3 days on a ventilator)fighting for his life. Tank left the hospital with no long-term affects and a $9,000 plus hospital bill. Trupanion was amazing, they handled Tank's claim swiftly and without objection. I would highly recommend Trupanion to anyone considering health insurance for their pet. They provide the most comprehensive coverage with the least nummer of restrictions.
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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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