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
1

out of 5

POSTED: | BY: Vee

DON’T BOTHER. What a mistake.

When I signed my healthy baby kitten up for insurance I chose this company, Even though it was far more expensive monthly payments than others would have been, I chose it because I could have a low deductible and not worry about waiting for compensation when emergency treatments would be needed. My cat JUST turned 4 and in those few years I have not yet made a claim for him. Despite this, Trupanion has almost DOUBLED my monthly rate. I am SICK of it. When I reached out to customer service to inquire about this they said that as more similar pets to mine sign up the higher the rate has to go. So I’m effectively being punished for the success of this company attracting more customers. I asked what they could do to bring my rate back down to what I signed up for and she said I would have to triple my deductible, and gave no reason to believe they won’t continue raising the monthly rate after such adjustment. Also their app doesn’t work and their website is trash. I greatly regret choosing this pet insurance and will be changing companies for my pet, I had nationwide for my previous cat’s life and it was far superior. Trupanion has been Absolutely ridiculous. What a disappointment.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Barbara

I was able to talk with a person…

I was able to talk with a person instead of doing everything online. She was patient and helpful.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Bob

Very easy to sign up and do business…

Very easy to sign up and do business with. Great communication with follow up emails and phone calls
Read more on Trustpilot
4

out of 5

POSTED: | BY: KC

The customer service is very thorough…

The customer service is very thorough in terms of quality and reliability. They were very helpful in providing options for affordable payments and deductible coverage.
Read more on Trustpilot
3

out of 5

POSTED: | BY: Rio

I havent used the insurance but it seems expensive/ preexisting exclusions

I havent used the insurance, the shelter I adopted my dog from said it was active and I should continue it. But it doesn't pay for any preventives as far as I can tell, and the shelter papers said the dog has a bunch of health issues already. None of which the vet can find. So if any of those things come up won't they be considered preexisting conditions and won't be covered? I did try to use it once when the dog tested positive for Lyme and Anaplasma and needed antibiotics. But the vet said it isn't an insurance card that they process and I would need to send the receipt in to the company. In the meantime I was paying over $80 a month and now it seems it's gone up over $100 a month so I'm probably going to cancel it. They send a lot of emails but I don't see how it's helping my dog's health or my expenses any. Just paid $400 for a checkup and vaccine boosters, I'd rather save my money towards vet care I guess
Read more on Trustpilot
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