5
out of 5
POSTED: | BY: Brandi Rheubottom
Good
They pay claims but the premiums have gone up significantly because my pup has a chronic condition.
4.9
out of 5
Number of reviews 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: Paula Davis
I highly recommend Trupanion without reservation!
Pet insurance has come a long way! Years ago, I tried it and discontinued it, as it didn't seem to cover anything. My vet recommended Trupanion, and I decided to enroll my golden retriever puppy. He developed a chronic problem with his ears, shaking his head, etc., which led to multiple doctor visits and various meds. They even had to put him under anesthesia and take some xrays. After I met my deductible, Trupanion has paid all claims as they said they would, and I couldn't be happier with their service. My vet is electronically linked to them, so claims are filed and responded to before I even pay my bill. So I don't have to wait to be reimbursed. I think Trupanion is wonderful, and I recommend them without reservation!
5
out of 5
POSTED: | BY: Josh
Experience was all that was promised!
I called trupanion the day after my german shepherd puppy was released from the hospital. Trupanion told me that the pet hospital had already faxed them our claim form and there was nothing more for me to do. 3 days later I received an email that stated that my claim wAs accepted and that I should expect a check in the mail soon. 4 business days later I received a check that covered all the expenses that were promised in my policy. I was extremely pleased with how easy and fast trupanion is to deal with.
5
out of 5
POSTED: | BY: Lisa Atkins
All my pets have Trupanion!
I personally should do the commercials for Trupanion. I have three dogs and a cat and I can't imagine them not having pet insurance. At sometime in every pets life something will happen where they require some veterinary care. It's comforting to know that no matter what happens they are insured and can be taken care of. My great Dane has Cushing's disease and her meds each month are cheap but because of Trupanion we are able to take care of her. My daughter's cat just had to have his back leg amputated and he is still alive and happy because he has insurance with Trupanion. I tell everyone about Trupanion and the benefits of having insurance for their pets. When I say everyone I mean strangers and people who don't care. I'm an insurance for your pets pusher. I believe in Trupanion 100% they have never denied a claim or given us a hard time. Don't know where our pets would be without it. Thanks Trupanion
5
out of 5
POSTED: | BY: Shontay Krystofiak
COULD NOT BE MORE PLEASED
My 1 yo Pitbull pup decided, unbeknown to us, that eating underwear was the "cool thing to do"....that is until he woke up unable to keep food down. We took him to the ER, where we discovered his love of underwear after he vomited up a pair (oh buddy)....they took Xrays and did an ultrasound and determined he had a blockage. He had emergency surgery that night (enterotomy). We went from vomiting in the a.m. to surgery in the p.m. It was a sad state of affairs for us and we felt SO bad for him. BUT he recovered beautifully and Trupanion was SOOO helpful. They started working on his claim right away and kept me very informed on where the claim process was with daily emails. I even called one night, very late, and was able to talk to someone when I had questions. They are open 24 hours a day! How sweet is that?! 1 week post surgery, I had a check in my hand for 90% of my sweet boy's surgery cost. This could not be better timing as I didn't have an extra $2500 sitting around before Christmas. Needless to say, we now know that our Pitty is an under garment eater and we have baby gates up and all laundry is put in appropriate places....which has resulted in 2 young boys keeping their rooms clean! Extra bonus.
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