Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 60,225

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.1
  • 4.7
  • 4.8
  • Count
  • 8
  • 947
  • 60,225

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: Robert Peterson

So far so good!!

Awhile back I had VPI for medical. They kept raising rates and reimbursing very little. I decided to switch to Trupanion. At first with a high deducible, which we could rarely meet. We recently decided to substantially decrease the deductible; but obviously increasing the monthly premium by quite a bit. Out dog was getting older (10 years) and thought that at that age he 'might' be having more health issues. Well, just a few months after doing so he has had those 'issues'. At this point we have had well over $6,000 in vet and hospital bills. We are still in the process of his diagnosis/treatment. SO far, Trupanion has been VERY understanding and responsive. We shall see how the future goes, but at this point I only have the highest regard for Trupanion. They appear to be very compassionate and responsive. Time will tell, but at this point they have been MUCH better than the prior insurance company. Our Rocky is a miniature Schnauzer about 10 years old. He has VERY high blood pressure which the 'docs' cannot seem to lower or diagnose the cause. HOPEFULLY...this will be resolved soon. Rocky is our boy; part of our family. And this is VERY stressful times. It is good to know that we have a great insurance company who is there to help us through this medical issue. EVERY time I call Trupanion they are VERY helpful and compassionate. NOT like the other company. My suggestion...give them a shot!!
5

out of 5

POSTED: | BY: Joe Wilk

Fast, very courtious, helpful and concerened

Very helpful and courtious. Concerened about my pet even after claim was finished.
5

out of 5

POSTED: | BY: Gail

Easy

This is the second claim I've had to file and the process is so easy! Either my vet or myself faxes in the claim with detail receipt and that's all I have to do! I get email updates on how the process is moving along (claim received, claim processed, claim payment mailed) and if any problem arises an email is sent about that too!
5

out of 5

POSTED: | BY: B McCort

Great Service!

I adopted a 5 yr old rescue miniature poodle mix who was very thin. I had already lost a dog to cancer and one to kidney failure so know what a financial burden that can be. I didn't want $ to be the deciding factor on the type of care I was able to provide him. Having no medical background info on him, I decided to research pet insurance. I spent a lot of time looking into the various companies. I chose Trupanion and have been very happy with the Policy benefits. As it turned out, Buddy had stomach problems that started a few months after the adoption and the bills began. Special food, tests, daily meds all trying to control his symptoms. Finally was referred to a gastric specialist (cha-ching!). At this point I was facing an endoscopy and an ultrasound. I figured I better look into that policy I bought! I submitted all the bills I had to that point and spoke with them regarding how much they would pay towards these procedures. Since bills were for the same chronic problem, they applied them to my deductible (per diagnosis). Once that was satisfied, I received payments for 50% of the special vet-Rx canned food & 90% for prescriptions and procedures & will FOR HIS ENTIRE LIFE! Hopefully we will find a cure, but if he requires lifetime meds for this same condition, Trupanion will continue to help pay for them. I fax in my claims, and Trupanion processes them and I have a check usually within a week. Knowing that I could give him the best possib
5

out of 5

POSTED: | BY: Kelly

Great Experience!

My pug, who is only one and a half, recently developed epilepsy. It was very scary to know that our little boy was sick. Thankfully, one thing we did not have to worry about was the cost of vet care. I was hesitant at first to get pet insurance since I had a bad experience with another company in the past. However, I did some research and decided to bite the bullet and get insurance from Trupanion, since it had great reviews. I am so glad I made that decision. I put in a claim for our pug's medical expenses and received constant updates by email right up until I received the cheque in the mail. We are still battling epilepsy with our boy but the fact that all medical options are available to us now with insurance from Trupanion is very comforting.
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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 Pet Insurance detail
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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