Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,951

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: doghair

Lifesaver

I had a Siberian Husky transfer over to Trupanion at some point in her early adult-hood because I wasn't happy with a prior insurance experience handling of my other Husky. At first, I was a little upset that she needed teeth extractions that counted as a "pre-existing condition" despite having spent a lot of out of pocket money to do annual anesthetic teeth cleaning for her. In the long run though, trupanion saved us money over time due to the comprehensive coverage with no annual payout limit. While some people are lucky to have dogs that never have cancer or require crazy surgeries, the chance increases as dogs get older and unfortunately we live in a world where just about everything causes cancer. Trupanion helped me make the right decisions to provide care my dog needed without having to worry too much about the financials. Of course, that's if you can afford the monthly premium -- but I do not regret the ease of mind it afforded me. After my pet passed, they canceled our plan for me without requiring me to deal with anything further. They care that their customers don't have to go through "peeling the scab," as I call it. Grieving is hard enough, and trupanion knows not to make it worse. It's a respectable company and I recommend trupanion.
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5

out of 5

POSTED: | BY: Richard Goff

Pleasantly surprised

Your coverage for Loki was spot on…. I was actually surprised that you delivered what you advertised…. Thank you
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1

out of 5

POSTED: | BY: MB

Paying another deductible for the same condition

I must say that Trupanion is quick to pay out claims BUT they somehow overlook the same medical conditions that has met the deductible from previous claims. And this results into being made to pay the deductible twice. My cat has a heart murmur so his Vet included a proBNP test when they did his bloodwork on June 2023 and this test came back positive. An Echocardiogram was eventually done and this showed early stage of Cardiomyopathy. Then on Feb 2026 I took my cat to a different Vet for dental cleaning but because of his heart murmur, they had to do another proBNP test that came back way over the normal value. An Echocardiogram was done again which showed a progression of his Cardiomyopathy. When I submitted a claim to Trupanion, I was made to pay another deductible of $250 because they said it’s another medical condition. I don’t understand why they keep saying that my first claim in June 2023 with the Echocardiogram was because of an eye problem and therefore completely different from the Feb 2026 claim. What kind of Vet would order an Echocardiogram for an eye condition? The fact that I’m paying $98 a month insurance for 1 cat, it’s just fair to ask Trupanion to get competent and knowledgeable underwriters to review claims so as not to cause further trauma and frustration to their clients.
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1

out of 5

POSTED: | BY: Kristina

Never covers anything

Never covers anything; more expensive than other insurances; every year it seems the costs go up and the coverage is less. They say they’re here for you and available 24/7 and then they find ways of not covering in the way other insurance companies would.
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5

out of 5

POSTED: | BY: Patricia Regan Geoghegan

They paid the appropriate amount for…

They paid the appropriate amount for the appropriate test.
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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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