Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 60,422

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.9
  • Count
  • 5
  • 496
  • 60,422

Updated: May 29, 2024

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: Linda

Great Investment in Pets Health

I knew for many months that my 3 year old Lola was having issues walking but when her condition worsened overnight I was so happy to have invested in her health through Turpanion. They were amazing! I took Lola to the vet who recommended surgery that week. They contacted Trupanion and arranged to have the claim paid directly so I only had to come up with the deductible and coinsurance. This made the process so much easier and less painful for me at least! I appreciated their follow up call and email to see how Lola was doing. I had to pay out of pocket for an xray the the 6 week follow up visit, submitted the claim and had a check in less than a week. Really excellent service!
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5

out of 5

POSTED: | BY: Sue D.

Amazed and Pleased with the Service

Just like with human health insurance, one never knows how pet insurance really works until you have to use it. My dog, Kieran, was diagnosed with an autoimmune disease two months ago. It took Trupanion about 2 weeks to act on my claim, waiting for my vet to submit Kieran's entire medical history to them. Once this had been completed and I had met my deductible, Trupanion started sending me checks to reimburse me for payments to my vet (five visits so far). Now my vet is submitting the claim, getting confirmation from Trupanion, and reducing my bill by my co-payment percentage -- all while I wait (5 minutes max, so far...) I am very amazed, and very pleased, with their service. Kieran's blood platelet count will have to be monitored for the rest of his life, and I have confidence that Trupanion will continue to cover those expenses.
5

out of 5

POSTED: | BY: Michel Overton

We are extremely grateful for Trupanion Insurance!

Trupanion works closely with our veterinary office, Baring Blvd. Vet in Sparks, NV. This recent episode was over $1,000+. What a crisis we would have faced financially in addition to the emotional upset of Plexy's illness if we had not had insurance for her. Because Trupanion and our vet work closely together, our vet accepts our portion of the payment from us and gets the rest of the payment directly from Trupanion. This is HUGE for us!
5

out of 5

POSTED: | BY: Kim

I advice all my customers to get pet insurance!

long story short; mt cat paul developed a urinary blockage, rushed him to the emergency vet. He ended up staying a full week, having two surgeries and multiple procedures. I was devastated. The very first day I was charged almost $2000.00. The charges kept accruing. I was an emotional wreck. Then I kind of slapped myself, and reminded myself that I would not have to make this decision about discontinuing care, BECAUSE THIS IS THE REASON I HAVE PET INSURANCE!!! I am sooooo very fortunate that he was able to come home with me. Without Trupanion, I would not have my cat. The first week of care was aprox. $10,000. Ten thousand dollars!!!! I ended up paying aprox. $2000.00.
5

out of 5

POSTED: | BY: Tina

Look no further

We've owned dogs all my life and never before had we thought there was a need for pet insurance. With our newest Doberman Kenzie, it was highly recommended by our vet that we look into it. After researching at least 5 different insurance companies, we decided to choose Trupanion. Besides providing the best coverage, we were impressed that we are covered in Canada and the US. Choosing Trupanion has been one of the best decisions we've made. We've gone through 2 major knee surgeries, thyroid testing and a swallowed object. Not once have we had an issue with getting our claim resolved. Reimbursement from Trupanion came in the mail within 2 weeks if not sooner. Unlike some other pet insurance companies, Trupanion has not reduced coverage or raised our fees because we have submitted a claim. If you're not sure about what insurance company to choose, I strongly urge you to choose Trupanion. You will get great coverage for your pet plus your interaction with them will be stress free.
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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
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