Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 61,819

  • 60 Days
  • 1 Year
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  • Rating
  • 4.6
  • 4.7
  • 4.8
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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: Leslie Perry

Great pet insurance

claims are paid fast. it covers most thingsonly complaint would be the fast rising premium rates. They have increased over 100% in the last 8 years. I don't believe it has to do entirely with rising vet costs as they have definitely not increased that much.
5

out of 5

POSTED: | BY: Leah

Trupanion's Lauren Littlefield is the best!

Dear Gina:I received your email address from your employee, Lauren Littlefield. I asked Lauren for her manager’s email address because I wanted to write to you to tell you what a wonderful employee Lauren is and what a wonderful job Lauren is doing! I have a Dachshund named Manfred who is currently in the hospital with a large ruptured disc on his back. I spoke with Lauren numerous times last week to get preapproval for my dog’s surgery which took place last Friday. I had to make sure that we could afford to save Manfred’s life because we love him so much. Manfred will be 6 next month. Lauren was so wonderful, kind, understanding, sympathetic, empathetic, and quick acting in processing the details I gave her that I had to tell you about it! Lauren is worth her weight in gold, she really is. Lauren is probably the nicest stranger on the phone that I have ever spoke with in my life and I am 53 years old. Lauren was so nice to me that it made me cry because anymore you just don’t expect strangers to be that nice to you. I did take the survey I was emailed but I wanted to take the time to reiterate my feelings personally to you as Lauren’s manager. Lauren helped me get through one of the most difficult days I’ve ever had in my life. It’s a horrible thing not knowing if you can afford to save your beloved dog. My husband and I have had six dogs over the past 20 years and at one time or another one of the dogs has had to go to the emergency room but it
5

out of 5

POSTED: | BY: Maria Queeno

Very Satisfied!

My dog had surgery to repair his ruptured disc in his back . . . It took less than 2 weeks to get our 90% reimbursement check in the mail! We got almost $5,500 back on our claim of $6,500!
5

out of 5

POSTED: | BY: April

awesome experience

Our beloved dog Icy jumped across my daughters lap and jumped out of my front seat of my truck but his back leg caught on the step and broke instantly. We knew it was bad and within a half an hour had him at emergency. We didn't have the 3,500 dollars to pay for it since it was a weekend and trupanion wasn't open, at midnight on a Friday.... Our vet called it in as an emergency and they had it approved in a very short period of time. The stress that took off us was incredible. I was thinking to only have trupanion while he was a puppy, but now he will be covered for his lifetime.We had him covered with no deductble so our portion of the over 3,500 was 624 dollars much more affordable. I have already recommended them to all my friends :) overall out of such a horrible experience trupanion made it bearable. thank you so much April and family!
5

out of 5

POSTED: | BY: Jonathan P

Express Claim, 10% Co-Pay & Alternative Treatments

I love Trupanion and I recommend for this company for pet insurance. An insurance company reveals their true character when its time to file a claim. Unfortunately, I had to file some claims but Trupanion provides me peace of mind and takes away the financial stress. My last claim I paid a co-pay since they agreed to pay my vet directly. That gives me the freedom to make decisions on what is best for my dog. Whoever you get don't wait insurance.

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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