Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 60,503

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.9
  • Count
  • 5
  • 496
  • 60,503

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
1

out of 5

POSTED: | BY: Jodie Howerton

Terrible Customer Service. Slow Claims Processing

I submitted the same claim 3 times to Trupanion. First by regular US mail. I never heard back. When I called to check, they had no record of the claim. Second time, the claim was faxed by the vet. Still no word. I called again and once again Trupanion claimed they never received it. The vet faxed it for the 3rd time and I finally received an e-mail that the claim was under review. It took a total of 9 months to get them to review the claim. Half way through the process, we stopped paying our premium because of the poor service. We honestly felt like we had been duped. When I finally heard back after the 3rd submission, they claimed they could not process it because we had not paid our premiums for the last few months, even though the INCIDENT HAD OCCURRED WHEN OUR PREMIUMS WERE UP TO DATE. I am still haggling with them over this. DO NOT USE TRUPANION.
5

out of 5

POSTED: | BY: Kim D.

Trupanion is Amazing!

Our normally very healthy and active 1 1/2 year old English Bulldog, Dawkins, became very ill with Bronchial Pneumonia and Valley Fever.I cannot begin to tell you how wonderful the staff at Trupanion has been. They made a nightmare for my husband and I so much easier to deal with. They kept us updated on claims and paid when they stated that they would. They went above and beyond the call of duty. My husband, Mark, andI have been recommending Trupanion to all of my friends and stressing how important pet insuance is as well as with who you obtain your pet insurance from. Dawkins is doing much better and we are hoping for a full recovery. I have even addred Trupanion as my Facebook Friend.
5

out of 5

POSTED: | BY: Vera Arthur

Extremely Pleased with Trupanion

I had a 4 month old toy poodle who suddenly became sick and was diagnosed with liver failure, cause unknown. Unfortunately, she passed on 3 days later. The claim was submitted by the veterinarian and within 5 days, I was notified the claim had been approved and the check was on its way via Fed-Ex. My daughter gave me another 10 week old puppy and I immediately signed her up with Trupanion. The people at Trupanion were so kind and helpful, and I couldn't be happier.
5

out of 5

POSTED: | BY: Akiko

The Unique and Personal Approach

I am from Vancouver, BC Canada so I used to have policy with Vet Insurance in Canada with my last dog Pepper, the beagle. Pepper went through so many health problems and had a couple of big operations. When Pepper was 8 years old, I was newly divorced and hard to keep up with his medical bills everytime he needed vet care. Vet Insurance was the only pet isurance company accepted my application for enrollment although the others denied my application because Pepper was too old. He had two big life threatening surgeries, and one was spleen rupture when Pepper was 10. My bills was astonomical. However, thanks to Vet Insurance, it was 90% covered, and I didn't have to worry about going broke. Instead, I was able to focus on taking care of him. I give a huge credit to Vet Insurance for helping Pepper prolong his life and live happy, not to mention give me peace of mind. He passed away last year, but our vet told me it was miracle that he outlived 5 more years of borrowing time after the big surgery. During late years of Pepper, I was re-married and moved to US. After Pepper's passing, we thought we would never have another pet because of dealing with pet's loss. My husband was surfing Craigslist to look for something else and found ad for beagle puppy for adoption. We called up the original ownder and met the puppy. We fell in love with him instanteneously. That was not our plan to have another pet, but we could not help ourselves. He was born on Halloween and we picked him up on Friday the 13th (of February) so we re-named him Lucky for good luck. He is a loving happy dog. Thanks to wonderful experience with Vet Insurance I knew I have to get insurance for him so I began to research for pet insurance company in US. And I was so extatic to find out that Vet Insurance opened a company for US market called Trupanion. I knew Trupanion will give me great coverage at very competitive rate as well as excellent customer service just like Vet Insruance. And I was right. Trupanion offer very unique coverage that fits to anybody's budget and circumstances. Very simple to file claim and fast to get reinbursement check. And they will personally take good care of you. They follow up each claim and keep you updated by calls and e-mails. The representatives are very sinsere and care about you and your pets. I am very happy with Trupanion. Lucky is just a puppy, and he has many years to go so I am very confident that through Trupanion, we can provide him the best medical care without any finincial stress from big expenses when unexpected illness or accident occurs in the future. With Trupanion, we can keep Lucky happy and waggling his tail for a long time. In my opinion, Vet Insurance / Trupanion is the best in the market. I recommend to all my friends and family. If you have older pets, it is not too late to enroll. Please protect your pet and be stress free from enexpected future medical expenses for your pet with Trupanion.
5

out of 5

POSTED: | BY: Rodger Trani

wonderful

we have a lab that is almost 1 year and we found out she had elbo dsyplasya.Trupanion was wounderful.She had to have surgury and Trupanion took care of everything.We feel very lucky that we chose Trupanion

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 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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