Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 63,001

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

Trupanion is awesome!

Two of my dogs do not have Trupanion insurance. They are too old. I have never had a problem with them. I have two surgeries of approx. $8000 each that have been pre approved by Trupanion. They have been paying up every time we spend. We love this insurance. The phone operators are always polite and helpful.
5

out of 5

POSTED: | BY: Elizabeth Showalter

Saved My dogs life!

Maelee (lab-golden mix) was in an accident in the summer of 2013 at 7 months old.She was in intensive care for 7 days, the hospital bill was way beyond what I could pay and Trupanion paid 90%. Maelee recently had a fungal infection from her accident and Trupanion paid 90% of that bill as well. Maelee has several different medications that she takes monthly one of them is $280. every 20 days and Trupanion pays 90% of all her medications related to her accident. I am very grateful to Trupanion for all that they do and I tell everyone I meet to get Trupanion. Note I have always asked the vet if I am doing the right thing by keeping Maelee alive and because she is only 3 the doctors all feel she has a fighting chance. Thank you Trupanion!
1

out of 5

POSTED: | BY: Kristi Cuddy

Horrible Company

Well I guess I will submit my review for the second time since my first one was not published. I have to wonder how many negative reviews this company filters out. My first review is no different than the one that follows. It contains facts. Period. We purchased a no limit policy in Feb 2017 for our rescue dog. In May he got sick. Vomiting and diarrhea. Our regular vet prescribed some meds. A few weeks later he had a relapse with vomiting that was so severe he vomited 5 times in a single morning. We took him to the hospital where they performed x-rays, ultrasound, gave him fluids and kept him overnight. We left with a multitude of prescriptions. Both the vet bill and the hospital bill were submitted and both were summarily denied. They claimed that the diarrhea was a pre-existing condition. What? He was diagnosed with gastroenteritis. A symptom of that is diarrhea. The diarrhea was not the sickness. Needless to say we are now stuck with thousands of dollars of medical bills. We have cancelled our policy and went back to PetPlan. We never would have left PetPlan who we used for over 10 years with our previous dog but when we got our rescue, they were not offering the unlimited coverage. They do now and it is much less expensive than the coverage offer by Trupanion and it has a lower deductible. As a result of this denial, we had a very long conversation with our vet who recommended Trupanion. They acknowledged that they were rethinking recommending them because of the extreme rate increases and because some of their staff members had claims that were denied for the exact same thing....diarrhea. Since then they have stopped recommending them and have pulled all the Trupanion brooches from their waiting room. Stay away from this company. They are dishonest and will not pay the claim. I suspect that a lot of the positive reviews here are fake.
5

out of 5

POSTED: | BY: Suzanne Lieppe

Consistently Excellent Experiences

My husband and I have two dogs and two cats that are covered by Trupanion. One cat in particular has had some serious medical issues. He had been struggling with urinary tract blockages, but we were trying to treat it medically and with a prescription diet. Unfortunately that didn't work. One week ago he had a crisis, and his bladder ruptured. I rushed him to an urgent care veterinary clinic. After many tests and treatments to stabilize him, he had surgery to repair the bladder and perform a perineal urethrostomy (so hopefully this won't happen again). Trupanion charged us the deductible ONCE, even though Max had seen three different doctors, and then paid 90% of the rather large bill. No questions asked. We are so impressed with Trupanion, and recommend that everyone with pets invest in this insurance. It allowed us to have the peace of mind to be able to tell the doctors to do whatever was necessary to save Max. Max is home now and healing beautifully! Thank you Trupanion!
Read more on Trustpilot
1

out of 5

POSTED: | BY: Carol Shirvinsky

A Veterinarian's Perspective

Last year Trupanion offered 30 day free membership to new customers and encouraged us to offer it to clients. If the client signed up with Trupanion immediately, before diagnostics were completed, the diagnosis would be covered, as it was not pre-existing. This, however was NOT. the case. According to Trupanion, if you take your kitten to the vet because she just started vomiting, then it's a pre-existing condition if she vomited prior to the exam. If your dog was lame at home before you brought him in for lameness....guess what? Yep. Pre-existing because he limped at home. Claims were denied time and again. Do yourself a favor and go with PetPlan or VPI. Unconscionable.
Read more on Trustpilot
Please leave a review

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
Provider website

Get a quote today

Leave a review