Trupanion US | Pet Insurance Review

9.7

out of 10

47909 Verified Reviews

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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: Jennifer Cruz

Well attended by representatives

Well attended by representatives
8

out of 10

POSTED: | BY: Loree Blanchette

Less Teeth, Less Problems!

We were not expecting our pug to need 10 teeth extracted when she went in for a dental. We were happy to get money back from amount that was much more than we budgeted for. Our veterinarian and clinic are amazing. We are very happy with the outcome. Elsa feels better and no more dragon breath!
10

out of 10

POSTED: | BY: Amber Helms

We recently hospitalized our dog who sadly ended up passing away after nearly a year of Trupanion covered Cancer Care.

We recently hospitalized our dog who sadly ended up passing away after nearly a year of Trupanion covered Cancer Care. Everyone we worked with at Trupanion was so compassionate and helpful always. We were able to have peace of mind knowing our claims would be taken care of and that we could focus on getting the best care for our dog. We strongly feel all dog owners should have Trupanion.
10

out of 10

POSTED: | BY: Michael And Emily Blumberg

We <3 Trupanion!

We love Trupanion and have recommended you many times. Thank you for being there for us and for Winnie!
10

out of 10

POSTED: | BY: Gene & Virginia Gochenour

We looked at two insurance companies and Trupanion looked the best six years ago.

We looked at two insurance companies and Trupanion looked the best six years ago.

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

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