Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 63,007

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
3

out of 5

POSTED: | BY: Chad R

Trupanion may just be your typical insurance company

Initially we were happy with them when we had to have a claim when our dog needed to have surgery after eating a rock (2023). They seemed like they really cared and were proactive with our claim. Fast forward about a couple years later and of course my dog ate another rock (despite taking numerous measures, including removing any visible rock from our yard) and fractured her tooth in the process. I feel like they were looking for anything to classify it as a pre-existing condition because they said she had signs of tartar when we had her teeth cleaned when she was 9 months old. Sure, unchecked tartar can weaken teeth, but we had her teeth cleaned twice within her 4 years (it is expensive to get your dog's teeth cleaned). So being responsible pet owners and having their teeth cleaned on a regular basis can eventually mean your claim will be denied because they have "evidence" of it being a pre-existing condition. It would have been better if we just did not have her teeth cleaned apparently so there was no "evidence" of a pre-existing condition. Think if adults had tartar during their check-ups and then their insurance denied claims if they had a fracture. Simply ridiculous, I thought Trupanion was a different type of insurance company, but maybe they are just like the rest.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Jo Ann Corkran

easy to file a claim,

easy to file a claim, quick rsponse
Read more on Trustpilot
4

out of 5

POSTED: | BY: Natalie

Trupanion is expeditious in processing…

Trupanion is expeditious in processing & paying claims which is extremely helpful when dealing with stressful situations with your pet. I appreciate the clarity in the claims however would appreciate these details be accessible on the website versus only in email form.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Judith DeRosa

I am so thankful for trupanion

I am so thankful for trupanion. My fur baby had to have emergency intestinal surgery last Friday and then needed to be overnighted at another pet hospital. Of course I was devastated. She stayed overnight for 2 nights. As u can imagine the cost was piling up. Thank God for trupanion. I couldn’t be more thankful for signing my pup up for this insurance Co. I HIGHLY RECOMMEND THEM!!!!!! Thank you to all the staff I spoke with. Being elderly I was lost and they worked me thru the process of filling out the claim forms. Thank you all
Read more on Trustpilot
5

out of 5

POSTED: | BY: Karen

They were very quick with the payment.

They were very quick with the payment.
Read more on Trustpilot
Please leave a review

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
Provider website

Get a quote today

Leave a review