Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 63,021

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: Frank Arambula

Made the claims process so easy

Made the claims process so easy. The vet submitted the claim and trupanion took care if it immediately. No delays, handled everything in an expedient manner. Very pleased!
5

out of 5

POSTED: | BY: DOG AS COPILOT

10 Years of Safety

I started using Trupanion 10 years ago when I got my standard poodle, Becky. I had a horrible situation a year prior with another standard poodle, where he almost didn't get the life-saving care he needed after a car accident because I didn't have a backup plan for emergencies. I swore, after he recovered, that I would never let myself be in that position again. I currently have three dogs enrolled in Trupanion, and I plan to add any future dogs to my plan. The peace of mind I have that I will never again have to choose between keeping a roof over my head and caring for my dogs is beyond priceless. Trupanion has been a literal lifesaver for Becky and Bug. Solstice hasn't needed it, so far, and my fingers are crossed that he never will, but I am glad the option is there. Every single time I have had to call or submit a claim I was treated with kindness. All the reps always ask how my dogs are doing, and they seem to really care about the answer. When I had a problem with a claim a few years ago, the two people I spoke with were both able to identify the problem and help me rectify it so my dog could get care. Trupanion has worked with my local emergency room to pay my bills directly, which is always a blessing. When I first added my third dog, the cost was almost half of what it is now, but the cost of veterinary care has almost tripled. I went online to review what I'm paying for and see if I could reduce the cost, but when I compared what I have paid vs what I have been reimbursed, I found that I am happy with my current cost and my peace of mind.
5

out of 5

POSTED: | BY: Carol

We got Quick customer service

We got Quick customer service. Would I get a discount adding a second pet? Is there an APP I can download on my phone?
1

out of 5

POSTED: | BY: Maria

Deceptive Pricing

The company advertises low rates and lifetime deductibles, but rates go up considerably every year, and deductibles do not ever seem to accumulate. Also, the company inexplicably excludes certain fees from claims, like exam fees.
5

out of 5

POSTED: | BY: Nicolette

Peace and processing

When I adopted my pup the vet recommended Trupanion and I signed up immediately. I am a new pet parent and had no idea about my puppy’s health history. In two months he’s needed surgery and had an ear infection - Trupanion handled the coverage before I even left the vets office! They communicate well and process quickly. This experience has given me such peace of mind.

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

Get a quote today

Leave a review