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: Ashley Samson

I Bought Pet Insurance Hoping I’d Never Need It. Then Cancer Happened.

When Shenzi developed pyometra, we were faced with an unexpected emergency surgery and over $3,500 in veterinary bills. Like many pet parents, we found a way to make it work, but it was stressful and financially overwhelming. After that experience, I enrolled Shenzi in Trupanion. I hoped I would never need to use it, but having coverage gave me peace of mind knowing that if another major health issue arose, I wouldn’t have to choose between finances and her care. A year later, Shenzi was diagnosed with mammary carcinoma. Between surgery to remove the tumor, diagnostic testing to determine whether the cancer had spread, pathology, follow-up care, and additional treatment recommendations, the costs quickly became substantial at more than $10,000. Without Trupanion, many of the decisions surrounding Shenzi’s care would have been far more difficult. Instead of focusing on how I was going to afford the next procedure, I was able to focus on what mattered most—her health, her comfort, and giving her the best quality of life possible. No one gets pet insurance hoping they’ll need it. But when the unexpected happens, having that support can make an impossible situation manageable. I am incredibly grateful that Trupanion exists and thankful for the peace of mind they’ve provided during one of the most challenging periods of Shenzi’s life. Thank you, Trupanion, for allowing me to focus on Shenzi’s care instead of the financial burden of treatment. Because of your support, I was able to make decisions based on what was best for her—not what I could afford—and that tru-ly made all the difference.
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5

out of 5

POSTED: | BY: Sandra

Easy peasy When i called

When i called, you gave clear directions to and immediately sent an instructional email. The process was easy as I was already stressed about my dog. I have paid monthly since 2016. First time I have had to use it. Wow!
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1

out of 5

POSTED: | BY: NR

Terrible Company!

Terrible experience with Trupanion! I enrolled my 1.5-year-old pup in 2024 for $150/month and a $150 deductible. Last year they increased my monthly rate to $230 and this year to $380!! That's a ridiculous increase so I have canceled my plan! At this rate, with no more rate increases (!!), I would pay Trupanion 40k if my pup lives to 12! They also comb over your pet's records and look for things to exclude. And remember that well visits/shots/dental are not included. Do the math and put your money aside...definitely not worth! Plus they are quick to deny claims. Shameful company!
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5

out of 5

POSTED: | BY: Maizie

Love it!

Love it!! Claims are handled fast and payout comes in time.
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1

out of 5

POSTED: | BY: DIEGO

Purchase of Medicine for Khloe

I went to the Vet clinic to purchase Khloe's medicine for her hips and the new system I. Trupanion did not let the clerk submit the request for payment form. The clerk called the Vet assist line and the person on the phone just stated there was nothing she could do to help. I then called the customer service line and the person stated the same thing Why have a customer service line if you cant help the customer. This medicine is recurrent and has been purchased before without issues. And now also Trupanion raised it's monthly premiums starting I. July bay almost $100. It is unreal with the way the economy is and they are raising the cost more. I am very disappointed in your service and new policy....
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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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