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: Alan

Insurance performed as advertised. Happy with it.

The insurance paid for everything they promised in the policy. Claim was submitted by email and was processed quickly. Overall we are happy and will remain with trupanion.
5

out of 5

POSTED: | BY: Lisa Leaver

Glad we used this company

Our Rottweiler is having allergy problems, we tried taking different foods out of his diet to see what he was allergic to, with no luck. Our vet suggested blood tests for food and the environment. Now we know what the problems are and Trupanion helped us cover cost of those tests.
5

out of 5

POSTED: | BY: McGuyver

Hypo-thyroidism

The animal is doing better with the medication.Very satisfied with the results from the Insurance people. Much appreciated.
5

out of 5

POSTED: | BY: Kim Marich

Good first experience!

Claim submitted and handled quickly. A very good experience, was preparing for the claim to be declined for some reason but it was approved at the corrrect level. Makes me feel confident that if we need to use it again, it will be there for us.
5

out of 5

POSTED: | BY: Kimberly Hill

Well Worth It!

we shopped around and heard a great review of Trupanion, so we purchased coverage for our 2 cats, who both have had medical issues in the past but they were still insurable. When we added another kitten, we added coverage for him as well. The premiums came to about $50/month for all three. Our older two cats go outside during the day now and then, and one morning in early May, they'd been out for a short time when one returned with an injury to his back leg, as if he'd been hit by a car. The vet who took x-rays and found our cat had a broken back leg caused by a gunshot wound from a pellet rifle. He had surgery that day, where they put in a pin and a plate to stabilize the bone. He came home the next day with medication and after care instructions (isolation, daily antibiotics, pain meds). a few days later the pin failed so he had another surgery to replace that. He was able to walk around a bit to get to the litter box and food, but no jumping, running, climbing etc. And he needed monthly x-rays, until September when the bone had healed enough to remove. He has healed nicely and is now back to his every day activities. the initial surgery was paid for by Trupanion (less the deductible and co-pay) within a few weeks, and after he received a clean bill of health, we submitted the claims for all the follow up tests, etc, and those were paid accordingly within about 2 weeks of submission. Total vet bill =$3900. Trupanion paid $2600. What a godsend!
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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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