Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 60,103

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.6
  • 4.8
  • 4.8
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  • 16
  • 1161
  • 60,103

Updated: November 13, 2023

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: Kirby Ram

As Good As It Gets

Trupanion has been an absolute delight to work with. We got our puppy last year and immediately signed up for pet insurance with Trupanion. Their customer service reps are a pleasure to speak with - some understanding and empathetic which is exactly what you need during stressful times. One Saturday our pup had complications from a surgery and we called Trupanion to ask what would be covered with our policy. Not only were they so kind on the phone, they were able to call back within 20 minutes with an approval for the treatment so I did not have to worry about what might be covered. Regarding reimbursements, it is the most seamless process and we always receive reimbursement within a few weeks. I am so happy we decided to go with Trupanion and I highly HIGHLY recommend to all other pet owners. You won't regret it and you have the ability to adjust your policy so it fits your budget and needs.
5

out of 5

POSTED: | BY: Kelsey

Thanks so much Turpanion

My unlucky basset hound is 6.5 years old. She had 4 big Intervertebral Disk (Ruptured Disk) opreation in past 2 years. Each one is more than $5000. Turpanion paid every time and supper fast. All I can say, Turpanion saved my dog and me a big time!!!!
5

out of 5

POSTED: | BY: Michelle Delgado

Trupanion was true to us!

After a dog became loose and attacked my 5 lb. Maltese. We thought she would not make it. I startled this 150 lb. Dog and able to free my dog. Took her to vet..had surgery..paid and was reimbursed. Easy and thank you...so unexpected!!!
5

out of 5

POSTED: | BY: Bev Stevenson

Greatest/Fastest Claim payment EVER

My puppy got very sick and took her to the vet 3 times a week for 2 weeks. When I got the Vet bill of almost $2000 I remembered Trupanion. I asked the Vet to submit the bill for me on the Wednesday before Christmas, the faxed it over and on Friday morning I got an email with the claim information and the money was to be deposited into my account. I couldn't have been happier. Not only was my puppy going to make it, but it was Christmas. What a wonderful miracle and blessing.
5

out of 5

POSTED: | BY: Cynthia

Wonderful Prompt Service

Our little rescue dog developed severe OCD that impacted his ability to focus or interact with us. We are so happy that we purchased the coverage for behavior illnesses. Trupanion covers his much needed medication. Trupanion is the BEST!

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

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