5
out of 5
POSTED: | BY: Christine Zuzunaga
Excellent
The customer service rep (Samantha) was and is excellent. Always updating and constant communication. Great first experience
4.8
out of 5
Number of reviews 61,811
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: Frances
excellent service and timely reimbursement
Very glad I opted for insurance this time. Was hoping for Murphy's Law: I have it but won't need to use it. Well, my pup has a seizure disorder so good thing I opted for it. Only thing I don't like about Trupanion is they made the dental insurance mandatory. Only $4 a month (approximately) but still don't like that after 1 year they unilaterally decided we should have it.
5
out of 5
POSTED: | BY: Jenna
Excellent fast service
Have a 4 year old boxer who has been showing signs of stomach issue. Went in for endoscopy and Trupanion paid 90 percent directly to my vet and allowed us to find out what was wrong. Without insurance we could never have afforded to do this for our boy. Meds to treat what was wrong was 850 dollars just for 50 days of meds. Trupanion has allowed us to get the best possible care for our baby and pervent his disease of inflammatory bowel disease from progressing. Thanks Trupanion!
5
out of 5
POSTED: | BY: TheyknowhowIam
+ if you start young good, otherwise not
So, it's a bit frustrating because we started out dog young on the plan and it turned out to be very helpful when we found out our dog has terrible environmental & food allergies, but the food allergies causes us to have to feed our dog prescription food that costs $87 a bag of dry and $78 for 24 cans. Trupanion was reimbursing us 50% when suddenly, 2 years in, they told us "OOPS! We made a mistake, we were only underwritten to reimburse you guys 50% of the food for 2 months, but we won't recollect back the money we saved you"... WHAT?!! :| Seriously?
*sigh* Basically Now that we chose Trupanion as our provider for our then puppy, we will not find another insurance company that will cover our now dog for a good price, so, we're stuck with Trupanion or no coverage, which we can't do because of costs, which have gone up every year BTW, so, be prepared for that!
Our little dog, was already an older dog when we signed him up and those monthly payments did nothing for us so we currently have gone down to the minimum of $1000 deductible for $35 a month premium. We're contemplating getting rid of that too, but we're afraid he'll get a tumor and then it will have all been for naught.
5
out of 5
POSTED: | BY: Deb Keough
LIGHTING FAST REIMBURSEMENT
My puppy was very sick and the expenses were well over $1,000. I received my check within 7 days from the day I was at the vets. I was amazed at the quick turn around. I am now able to pay my credit card bill with my reimbursement check!
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