Trupanion US | Pet Insurance Review

9.7

out of 10

47909 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 9.6
  • 9.7
  • 9.7
  • Count
  • 806
  • 10492
  • 47909
Only Trupanion can say that the pets we insure lead longer, happier lives.1 Pets can be full of surprises—so their insurance coverage shouldn’t be. That’s why Trupanion is dedicated to helping the pets we love get the care they need. The Trupanion policy was designed by veterinarians to protect cats and dogs like yours by taking cost out of the care equation. When your furry family member is sick or hurt, the last thing you want to worry about is affording the treatment they need. That’s why Trupanion is the only provider who can review, approve, and pay your claim direct to your veterinarian at the time of checkout.* No more juggling credit cards and no more waiting for reimbursement. Your pet gets treated, you pay your portion, and go. We take care of the rest. 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. Coverage may vary by state. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Express. Trupanion is a registered trademark owned by Trupanion, Inc.  Underwritten in the United States by American Pet Insurance Company and in Canada by Omega General Insurance Company.
10

out of 10

POSTED: | BY: Jan Marie Fortier

Trupanion is the best

Trupanion is the best. Expensive, but they've come through for each of my reasonable claims, most recently in a very big way. I'm so grateful, and able to get the best care for my beloved dog. Jan Marie Fortier
1

out of 10

POSTED: | BY: Kimberly Wade

Denied for something that was not by a vet

My dog got denied for Respiratory issues because I was the mother of a New Dog and didnt know what was wrong They said because I stated it...It made it a pre existing condition..now has allergies They will pay for but not xrays...Your agreeing to the meds she got the meds because the xray was needed to see what may be wrong.P.S. I am Not A Vet...
10

out of 10

POSTED: | BY: Sandra Mitchell

Trupanion Pet Insurance

Our Miss Maddie was diagnosed with IMHA, she spent 8 days in ICU at the vet hospital. Trupanion was at our side the entire time, Claims were aid promptly and staff was amazing. I just signed my other two puppies up for coverage.
10

out of 10

POSTED: | BY: Anne Lloyd

A Lifesaver!

Our vet recommended Trupanion years ago, saying it often makes hard decisions easier. Fast forward to last June when our dog's health declined. Ultimately, we found out it was cancer and it demanded a very expensive surgery. Had we not had Trupanion, we probably wouldn't have gone through with the surgery. The vet's sage advice to purchase Trupanion, to make the hard decisions easier had come to fruition. Our pup's life has been a roller coaster since the surgery, but thanks to the insurance (a type of "forced savings plan"), we can continue to treat her because her quality of life is good. One lifetime deductible for an illness is a godsend and submitting claims only takes a few minutes. A prompt reply and reimbursement always occurs. We are forever grateful for our decision to use Trupanion.
10

out of 10

POSTED: | BY: Pam MacGregor

Trupanion reimburses very quickly

This is a great company, especially for serious issues and emergencies.

Monthly Cost

Your monthly rate is determined by multiple factors, including your pet’s species, breed, age at the time of enrollment, and gender. Other factors include what deductible amount, if any, you choose and the average cost of veterinary care in your area.  

Coverage

The Trupanion policy pays 90% of the bill for all covered expenses once your deductible is met. Plus, we cover:

  • Hereditary conditions (like hip dysplasia, diabetes, etc.)
  • Congenital conditions (like heart disease, cataracts, or liver disease)
  • Unidentified conditions (like vomiting or diarrhea, cough, sudden weight changes, etc.) and the diagnostic tests needed to identify them

We also offer a Recovery and Complementary Care rider to expand your policy to include additional treatments like:

  • Acupuncture
  • Chiropractic Care
  • Hydrotherapy
  • Physical Therapy
  • And many more

Payout Limits

The Trupanion policy* has no payout limits, so whether your furry best friend 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

Customize your deductible to fit your budget, from $0 to $1,000. You can choose to lower your deductible within the first 30 days of enrollment, or increase it at any time.

Plus, Trupanion policy deductibles are per-condition and good for the life of your pet. That means no annual resets—once a deductible is paid, it stays paid. Forever.

 

Age Limits

All cats and dogs under the age of 14 can enroll.

Birthdays are for celebrating; so unlike other providers, we don’t factor getting older into your pet’s rate. If you enroll your cat or dog at 6 weeks, they’ll always be 6 weeks—and priced like a 6 week old—in our eyes.

 

Waiting Period

  • Accidents: 5 days
  • Illnesses: 30 days

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, preventive, elective, or cosmetic care
  • Sales tax, where applicable

Like all 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 Express.

 

Trupanion was founded in 2000 with the goal to take cost out of the care equation. We believe that the pets we love—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 Member Support—yes, even on holidays 20+ years of experience Over $1 Billion paid in claims Over 600,000 pets protected Unlimited Payouts The only provider that can pay your veterinarian directly at checkout* Accepted everywhere in the USA, Canada, and Australia * At participating hospitals

Get a quote today

Leave a review