Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 61,836

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.8
  • Count
  • 6
  • 763
  • 61,836

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: Carla

Love love love

I've had Trupanion for about 5 years now and they are truly the best. Every time I submit a claim it always gets processed super fast and I get the money in no time. They were also the only pet insurance company that would even cover my senior dog. Thier rates are always affordable and their coverage is the best in the business, trust me I did my research. It's very reassuring to know that my baby boy is protected and that I'll never have to worry about his health and money. Thanks Trupanion.
5

out of 5

POSTED: | BY: Donna P.

Trupanion Saved Yumi's Life - Twice in 17 Days!

Our yellow Lab Yumi is only six years old and a cancer surviver. During her cancer treatment I was advised to buy pet insurance from Trupanion, even though the cancer treatments would not be covered. I almost didn't, figuring what good would it do to have another bill to pay during this difficult time? What else could possibly go wrong? Well, I am so thankful I did, because seven or so months after I enrolled her, she was cancer free but had an unrelated and very sudden and very severe attack of pancreatitis. Despite having the best care available to her, Yumi was given only a 50/50 chance of survival the night she was admitted to a level 2 ICU at the vet hospital. She spent five nights there, was discharged, but returned to ICU less than three weeks later with a relapse for three more nights of care. Trupanion made her treatments possible. Without Trupanion her care would have been prohibitively expensive and I shudder to think what our alternative would have been with her is such agony for so long. Trupanion's assistance allowed her to have the life saving plasma and other specialty transfusions she desperately needed, along with routine supportive care and close monitoring, without which she very well may have died. Trupanion did exactly as they had told me they would do during our pre-enrollment conversations, which was to work immediately with the vet hospital to arrange direct payment to minimize our out of pocket costs, to keep in frequent communic
5

out of 5

POSTED: | BY: Bill J

Trupanion is the only Pet Insurance to consider

We were recommended Trupanoion by our Veterinarian Dr. Lisa Ciucci and Dr. Al Angel less than two years ago for our German Shepherd Puppy. With the exception of one surgery to remove a testicle that did not drop and could have been a future problem, the other few issues we have had, we have been reimbursed promptly. Trupanion has been very professional and we would recommend this to all our friends that have pets.
5

out of 5

POSTED: | BY: Thomas Stephens

A seemingly caring insurance company.

My Molly, a rescued puppy mill Maltese, has been insured by this company for about 3 years. They would not cover the allergy problem due to it being pre-existing. However, they have covered everything else I had made claims on in an expeditious manner. They have lowered my rates based on the amount of total claims for the year being lower than expected. They cover many things that other companies didn't. I will continue to use them as long as I have a pet.
5

out of 5

POSTED: | BY: Michele C.

Awesome company!

My cat unfortunately developed thymoma, which is a tumor of the thymus. It was first detected by X-ray and was ultimately treated by chemotherapy, followed by surgery. Trupanion covered 90% of all the medical costs, from diagnosis to surgery, which was critically important. The initial claim took a few weeks, since it was my first claim. After that the claims only took about a week to process and pay. They were sensitive and responsive. I will use them again with my next cat.
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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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