Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 60,422

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.9
  • Count
  • 5
  • 496
  • 60,422

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: Debra Ivy

zinc toxicity poisoning

Took Casper to the Vet on Saturday morning as he had swallowed a penny. I did not know they were toxic to dogs, fortunately he threw it up. He was very ill. The Vet did blood work, xrays and examined him. The total bill was almost $500.00. They claim was faxed to Trupanion and the next day (Sunday) the claim was processed to be paid. And all I had to pay out of pocket was approximately $100.00. I have used Trupanion twice with Casper as he was a puppy. I am very pleased with the service I receive and I am also very pleased that my Vet recommended Trupanion. I will recommend Trupanion to everyone. Hats off to Trupanion. They are awesome.
5

out of 5

POSTED: | BY: Mary Zomparelli

Great Service

Claims reviewed in a very timely manner...they keep you informed at all stages of claim review- great service no issues to date, have had my cats insued with Trupanion for 6 years!
5

out of 5

POSTED: | BY: Shirley email.

Examination Coverage why not?

I agree that Truepanion s great when I had my two claims over the last 9 years. However I also think it would be so nice to have the exam covered. I am curious to know why it is easy clouded from their coverage. S.
5

out of 5

POSTED: | BY: B

Great company

Impressed with the coverage, so glad we have it. Our beautiful persian will need lots of tests and monitoring and the coverage will look after the majority of the costs. Very quick response to claims for reimbursement. Good job!
5

out of 5

POSTED: | BY: Larry Purcell

Trupanion Review

We own Chelsea, a 10 year old Golden Retriever and purchased pet insurance within a few weeks of getting her as a puppy. Although we had owned dogs before and never encountered any serious medical injuries or illnesses, we have had numerous occasions to submit claims for Chelsea. When she was about 1 1/2, she had an accident while running on the beach and was diagnosed with a right medial patellar luxation and surgery was performed at the Atlantic Veterinary College. After the surgery, she attended physiotherapy for several weeks. The total cost for this was over $7,000.00 and pursuant to the terms of our insurance, 90% was paid by Trupanion. Chelsea later had to have surgery for gastric dilatation/volvulus which cost over $2,000.00 and she now has arthritis and thyroid issues so we are very thankful that we have the pet insurance in place. My daughter recently became the owner of a Nova Scotia Duck Tolling Retriever puppy and immediately enrolled in an insurance plan for him. I believe that when you own a pet you take on the responsibility for looking after the pet and attending to any medical issues that may arise and, for us, paying the monthly insurance premium is preferable to facing bills of several thousand dollars at one time. Trupanion has always paid our claims as set out in the policy and has done so in a timely manner.

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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