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: Peter Brunner

Trupanion is an unethical company

Trupanion is an unethical company. Full stop. I've been a policyholder for over 10 years. They denied a completely legitimate allergic reaction treatment saying my dog had an allergy over a decade ago. The issues are not related at all. Avoid this company and find a reputable pet insurer that honors policy terms.
1

out of 5

POSTED: | BY: Guest

Happy birthday to my 12 month old dog…

Happy birthday to my 12 month old dog and oh by the way vet bills are expensive so were raising your policy. The email they sent said it wasn't because of maximizing profits. Really? No insurance is in business for anything else, its a business. I am an RN who delivers care to my patients, I care about people, the corporation doesn't care about people, its the bottom line. The increase is profit margin, nothing else. Next time when you send a happy birthday, maybe wait a day or two before you send "now that your pet is a year we are upping the cost of your policy" email. Just tacky. And by the way my dogs year cost you nothing, 100% profit for you and now your charging more, buyers beware. We have until July 16, 2026 to find a different pet insurance as it goes up July 17, 2026. We will not be staying.
2

out of 5

POSTED: | BY: Caren

My dog is now 16 years old

My dog is now 16 years old. Throughout the fifteen years I have had Trupanion insurance, I have found too many claims have not been paid due to “allergy” pre-existing conditions from the first few months of my dog’s life before purchasing the monthly coverage. The deductibles have also been applied inappropriately. There are just too many excuses for non-payment. It’s been a disappointing experience using your insurance. When I hear about friends whose coverage is quick with no objections, I feel that my claims results paled in comparison.
5

out of 5

POSTED: | BY: Michelle

Pet Insurance Is A Must Have!

Pet Insurance Is A Must Have! I chose Trupanion as the provider for my pets as soon as I got my pets. I’m so glad I did. My cat ended up getting a type of cancer along with IBD at age 4 months. Our dog developed urinary incontinence at 4 1/2 years old. They have a good set up for meeting deductibles by condition. Claims are processed quickly and payments made within days. Customer service has been very helpful any time I’ve had to call.
5

out of 5

POSTED: | BY: Don

Dealing with Trupanion was one of the…

Dealing with Trupanion was one of the best experiences I have ever had! They answered my phone calls immediately, and I was connected to a live agent who was able to answer all my questions and assist me with the paperwork. I filed two claims and both were settled within 18hours. Payment was sent out immediately. Everything was covered except I what knew would not be(clearly stated in my contract). After this experience, I would never have another pet insurance except Trupanion! Thank you Trupanion for making my stressful time easier.

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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