Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,123

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: Melissa Kinne

Thank you, thank you!

Dear Trupanion friends, I want to thank you so very much for your outstanding service. You have always been so fast at resolving Abby’s claims and getting our reimbursement back to us. I wish to also thank you for my lower monthly premium for Abby’s coverage. Having her insured is an absolute necessity because Dachshunds seem to have a predisposition for allergies and spine issues. We have ramps all over our home, and she has been taught to never jump off anything. Thank you all again, we appreciate your care more than you will ever know.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Rick Tomljenovic

Amazing service and response.

Our 16 month old Shih Tzu was not feeling good and started having seizures. We took her to the emergency hospital and they had to run numerous tests and bloodwork to include a neurological exam. Needless to say that these procedures are quite expensive and she needed a three night hospital stay. Trupanion was amazing. From the first phone call we made to them, they calmly explained how the coverage works and how to submit the necessary information to process the claim. Their app made it very simple to upload information. Within a week of her initial visit to the doctor, funds were deposited in our account to cover the cost of the claim less the deductible at our 10% co-pay. We also take great comfort in knowing that her medical condition to be covered for the rest of her life. Truly an amazing experience. And our a little pup is recovering and doing very well.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Robin Greenman

If only Progressive, Geico, Allstate & State Farm were this Easy!

We cannot rave enough about Trupanion! Whenever we bring our Irish Doodle to the vet for skin, ear, whatever problems—including rock swallowing!—within 10 seconds we get a text saying that they’ve covered the lion’s share. Her daily Apoquel would cost us a fortune. Thanks to Trupanion, we only pay $16 for a 60-day supply. And get this—we originally opted to pay a $50 deductible per month. Last year they LOWERED it to $47/mo. and now they’re lowering it again to $43! What insurance company does that?!
Read more on Trustpilot
1

out of 5

POSTED: | BY: Betsy Tufts

I would give this company a zero if I…

I would give this company a zero if I could. They don’t raise the rate based on your animals age- they just keep raising the rate- every year so by the time it becomes insane- your dog is to okd to get a good qoute elsewhere. I called and they are professional d of the fact they can stick it to you after they tie your hands behind your back. I have all e mails to back this up
Read more on Trustpilot
5

out of 5

POSTED: | BY: Cheryl

Are they really an insurance company! :-)

I am so surprised I'm writing this review for Trupanion. My big pup had to have TPLO surgery on BOTH legs. I'm not crazy with the way they apply the deductible, instead of annually it's per condition. BUT, they considered the two surgeries one incident - fabulous! If you have small claims this won't be good for you, but I don't have an issue with paying my small claims which are rare anyway. I really did get pet insurance so I wouldn't have to make that awful decision if I could afford an expensive surgery or expensive treatment for my beloved pet - this one was $12K. The first TPLO claim was a bit complicated (a removal of a growth included with the TPLO surgery) and I had to make an appeal for a small amount they denied - they accepted my appeal and paid the additional cost. I also had to call customer service, no hold and a pleasant and knowledgeable representative was able to answer my questions. I can't say enough good things about Trupanion. Even my surgeon, prior to any claim process, said that her experience has been very positive and they have always been reasonable - she called Trupanion her favorite. Can you ask for anything more?
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