Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 60,328

  • 60 Days
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  • 4.7
  • 4.9
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  • 5
  • 496
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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: Justin

Would highly recommend!!!

Trupanion is by far the best choice in pet insurance. They have been professional, courteous and caring. They are extremely quick in responding to a claim and I cannot think of one negative thing to say about this company. I would highly recommend them to anyone who wants to provide the best possible care for your pet.
5

out of 5

POSTED: | BY: Joan Nikolich

Excellent Insurance

I have nothing but good things to say about Trupanion over and over again. I am very happy with this insurance.
5

out of 5

POSTED: | BY: Les

AWESOME

The claim process was easy, and the refund fast. I debated not getting an insurance plan and decided I would try it for a month. A week later we had a 2 day hospital stay and a $2,400 bill. Trupanion made the expense much more affordable and since I have reduced my deductible even more.
5

out of 5

POSTED: | BY: Jeanne and

I recommend Trupanion and I give them an A+

My last pet of 10 years was an Italian Greyhound named Bailey. He had developed a serious chest infection that required surgery and extensive medication, which had become very expensive. After about 6 months he made a turn for the worse and he passed away. I recently welcomed a new Italian Greyhound puppy into my family. His name is Murphy. I took Murphy to my veterinarian for his puppy check up. Knowing of the expense I incurred during Bailey’s illness, my veterinarian told me about Trupanion . After reading the information, I decided to sign Murphy up using the 30-day certificate with no waiting period. Murphy now has medical insurance and is covered for all accidents and illnesses. Soon after making the first month premium payment,Murphy broke his leg. It was on a holiday so I rushed him to an Emergency Animal Hospital. To make a long story short, Trupanion came through like a champ. I signed up for Trupanion May 21, 2014, I made my first premium payment June 20, Murphy broke his leg July 4 and they operated July 7. I notified Trupanion and they took it from there. They paid 90% less the initial exam, my deductable and my 10%. On July 14, Trupanion deposited their 90% into my checking--over $3,200.00. They will continue paying 90% until Murphy is released--unbelievable!I highly recommend Trupanion. They have been excellent to work with. Their staff are very courteous, friendly and caring. They also follow up to see how Murphy is doing. What more could you ask for? I give them an A+.
5

out of 5

POSTED: | BY: D. Glass

Great

Trupanion worked quickly and covered everything that they said they would cover when I signed up. VERY worth the money!

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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