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
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  • 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: Kathy

CCL Rupture Repair

Having never made a claim we were a little apprehensive when we were forced to make a claim for a very expensive surgery for our GSD for TPLO surgery for her CCL rupture. We have been extremely pleasantly surprised by Trupanion's speedy processing and true to their word of the coverage we had. Sometimes we expect insurers to look for a way out but Trupanion has really impressed us with their assistance in helping our GSD get the treatment she needs and in her recovery.
5

out of 5

POSTED: | BY: Erin Kilfoile

Amazing!

I rarely go online to rate companies, but I feel compelled to write one up for Trupanion as they have been nothing short of amazing!! Not too long after I picked up Minka from the breeder, she ingested a rather large seed from a coconut palm in my parents' backyard. The next morning when I woke up to take Minka on her morning walk, she seemed constipated and vomited and it looked as if her stomach was slightly distended. I immediately brought her to the vet who had to surgically remove the seed that had distended her stomach to three times it's size! The bill was huge (around $3k) and I wasn't sure that my Trupanion pet insurance had "kicked in" just yet. Fortunately, even though the insurance hadn't become active just yet, Trupanion paid for the surgery and I think I paid around $750, as I mentioned Trupanion didn't have to do that and I consider Trupanion an amazing company and highly recommend it to any pet owner!!
5

out of 5

POSTED: | BY: Sandy Gargiulo

great service

I would never be without Trupanion as long as we have our pup.
5

out of 5

POSTED: | BY: Katie Rogers

Trupanion is the "king" of pet insurance

I have two papillons which are both insured by Trupanion. Unfortunately, I tend to have bad luck....but I always know they have my back. Recently one of my girls had a very rare tendon avulsion in her hind leg. She needed lots of xrays and an extensive surgery done by a specialist. We used our credit card for the purchases (which was over 2 grand) and within NINE days We had our money back the full 90 percent. Not only have I had great experience on the money side with Trupanion, but I am big on over the phone service. In the five years that I have been with Trupanion, I have NEvER gotten someone rude or that didn't know their stuff. They truly want to help in the best way they can. I feel very secure with my choice of Trupanion years ago and would never change my mind.
5

out of 5

POSTED: | BY: Mary Ellen

Trupanion works hard to satify your claim.

A sudden illness called Pancreatitis fell upon one of our loving dogs. Having Trupanion on my side took the financial stress out of the entire ordeal. Trupanion offers ONE awesome plan which makes it all so easy. Most important is the fact that there is total communication between you, them and the vet. So reassuring. Truly, the most compassionate reps. I have ever dealt with in any Co. Thank you everyone at Trupanion.

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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