Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 70,209

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: Pamela

Excellent customer service

The customer service was exceptional. I received a call from a Trupanion rep. to let me know that my fax wasn't clear and readable which gave me the opportunity to send a new fax and facilitate my claim. My claim was resolved very quickly with the reimbursement that I expected! I have and will recommend Trupanion insurance. Thank you.
5

out of 5

POSTED: | BY: Laura Savard

One Happy Dalmatian Owner!

I have a 1 year old Dalmatian named Brooklyn. 1 year old exactly, her birthday is today! As you may know, Dalmatians have a ton of energy, and ours brings new meaning to that description. We've had MANY emergency vet visits with Brooklyn. From a split open head at 3 months to two teeth being extracted because she collided with another dog and broke them, and several others instances, Trupanion has been there for us each and every time without question! These claims were each in the $100-$600 range. The claims process is stupid simple and the one-page form can be filled out by any five year old. All we have to do is provide our vet with the form and they submit the claim for us. Within about two weeks we have a check for 90% of the costs (not including the actual visit fee, which isn't covered). The one time I had to call Trupanion, when Brooklyn lost her ID tags, the customer service rep was one of the nicest reps I've dealt with ever. Anyway, I'm sure you can see that I think Trupanion is the greatest. I only wish they were around when I had my last Dalmation!
5

out of 5

POSTED: | BY: Ashley

Have been great to work with!

After debating for months and researching I found Trupanion to be one of the insurance companies that covered the most. I have two olde english bulldogs and in less than a year of having coverage they have paid almost 2k for claims. My small pup choked on a bone and had to be rushed to the emergency room and now my older pup has a partial cruciate ligament tear and over the 3 doctors we have been to they have covered what they state in the policy. The only downfall I see is the fact that they don't cover chiropractic and alternative care. Before we had answers as to our dogs leg issue our regular vet did laser treatment to reduce his swelling and it was not covered under the policy. it would be nice to have that as an endorsement even if it required additional premium. But, for the most part I have been so grateful for having them as my insurer for my pups!
5

out of 5

POSTED: | BY: Reshu Gupta

Great service ! Thank you Trupanion!

We recently got insurance from Trupanion for our three dogs. My greatdane Jumbo suffered from gastroenteritis and had to be taken to the vet twice in last month. Needless to say, the vet bill was high because of all the exams/X-rays/ blood-work and medicines! Since it was our first claim, we did not know how it would work.Thanks to Trupanion, our claim got cleared in a very timely way and we received 90% of the cost back within few weeks.Great service from our insurer Trupanion !
5

out of 5

POSTED: | BY: Vicky

Trupanion is great

We have a three year old lab, Gunner. We signed on with Trupanion as soon as we got him. Trupanion processed numerous claims for us, the most recent being for TPLO surgery - a spendy one. Trupanion is always easy to reach with questions and is prompt with processing (provided the vet gets them the necessary paperwork). This particular claim took much longer than usual to process as a result of paperwork issues on the vet's end. I highly recommend them.

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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