Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 77,532

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: Michellel Park

First claim processed.

First claim processed. I didn't need to do a thing. Veterinary office submitted claim and Trupanion emailed me that claim was processed. It was so easy!
5

out of 5

POSTED: | BY: Eileen Condon

Extremely prompt

I find that Trupanion is extremely prompt in investigating claims and fair in honoring claims in a timely manner. I've already recommended Trupanion to other people as I'm very impressed with Trupanion's service and Trupanion's policies. I have the 90% coverage policy with $1000 deductible. I have four pets currently being ensured. Prior to having pet insurance I had a pet named Lucky who was NOT very lucky at all when it came to health issues -having both cancer and kidney disease. The expenses almost put me in the poor house and I vowed that I would get Pet insurance for any future pets. Prior to Trupanion I was with another pet insurance company but their policy was not at fair as Trupanion 'so I 'made the switch to Trupanion. I'm extremely pleased to know my Pets are covered for any critical health expenses that may arise in the future for the lifetime of the pet not just on a year to year basis with a deductible each year. I currently have one sick pet but hopefully all my other pets will remain healthy and not need Trupanion!.
5

out of 5

POSTED: | BY: Carolyn A

Trupanions trully stands by their claims and paid my claim!!!! C.G.

Trupanion is a no mess around or play games type of company. Make sure you understand when you sign up what is covered and what is not!!!! The absolutely do pay what they say they will pay for (minus your deductible ) . The claim process is easy and swift and they keep you informed of your status in the claim process. They will even set up direct deposit for your reimbursement. My claim fro the time I faxed it in until it was in my checking account was about 7 days. For a large sum of money, I am happy with that considering they had to contact my vet for information as well. It still was that fast!!!!!
5

out of 5

POSTED: | BY: Gina

Trupanion is 10 *'s in all categoies

After much research ( I am an ins agent), I selected Trupanion 9 years ago to insure my two aussie pups with Trupanion. Best decision ever. Their customer service has been A+++, their premiums very fair (they've even reduced my premium based on positive claims experiences in my policy pool), and when it came to be claim time, coordinated with my vet's office and paid within two weeks. I can't recommend enough. This insurance is doing exactly what I needed it to: it removed financial considerations from my decision making when it comes to medical issues with my pups.
5

out of 5

POSTED: | BY: Jennifer Catherine

Really caring knowledgeable help

Trupanion is profetional and has always paid my claims for my cat and dog. They are excellent fast courteous service
Please leave a review

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
Provider website

Get a quote today

Leave a review