Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 61,821

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.6
  • 4.7
  • 4.8
  • Count
  • 7
  • 836
  • 61,821

Updated: April 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: Cheryl Boen

Excellent service

When Sweet Pea's eye was punctured by another cat, my regular vet said she would probably totally lose her eye. But he sent me to a vet eye specialist who told me he believed he could save her eye with immediate surgery, but the cost would be between $2,500 and $3,500. I called Trupanion to make sure it would be covered and to get pre-approval. They expedited the pre-approval and the vet did the surgery right then. He was not only able to save her eye, but also her vision in that eye! However, the clinic would not bill Trupanion directly, so I had to pay the charges up front. That pretty much wiped out my bank account and I still had bills to pay before my retirement check at the end of the month. I called Trupanion to see if they could expedite my refund and they processed my claim as quickly as they could. Thanks to the wonderful people at Trupanion, I was reimbursed in 2-3 days instead of the usual 1-2 weeks! Thank you Trupanion!
5

out of 5

POSTED: | BY: Dallas

Quick

Quick turn around for the claim, very helpful and personal with calls to check on my pet.
5

out of 5

POSTED: | BY: Rosalynd Kunkel

Excellent Service!

Amazing customer service. I was kept informed the entire way of the claim. I was not kept waiting at all.
5

out of 5

POSTED: | BY: Dave Berry

Recommendaion for Trupanion

I have been a customer for several years. I have had absolutely no problem with the coverage and have used the service on as needed occasion. I would rocommend this insurance to any pet owner. I have even recommended to my veternarian clinic. That's how good they are.
5

out of 5

POSTED: | BY: Christine Stavalo

Wonderful Company

My cat was diagnosed with having stones. This meant several trips to the vet office for the exam, checkup and follow-up. With each visit, brought a new claim form to be filled out and submitted. However, the claim forms were easy to complete by updating my personal information and submitting to my vet for their information. My Vet faxing the information directly to Trupanion and I received an email directly from Trupanion that claim form has been received and submitted for processing. Within the next week or so, I received an email from Trupanion that my claim has been processed and payment is being sent. I was really surprised to see that my claim was processed really fast. I also had contact their customer service several times and they have been always very helpful and nice. They are truly a awesome company to deal with and would recommend to anyone in need of pet 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

Get a quote today

Leave a review