Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 62,999

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
2

out of 5

POSTED: | BY: John Grant

Continuous rate increase now 400% of original rate

The pros:* never denied a valid claim * pay very quickly The Cons: * rates are not stable as advertised. There have been multiple threads on line regarding their consistent rate increases based on statements without proof. i.e. animals are living longer and therefore it costs them more to maintain. Our first increase was from $50 to $125- we had never made a claim and were on automatic payment from our CC so never late with a monthly payment. We have received annual increases at exactly 20%- their published maximum. Unfortunately once a claim is made your ability to change carriers is very difficult. Any insurance company you got to will call every previous vet visit a pre-existinting condition and either deny coverage, impose sharp limits on their coverage or charge an even higher rate. For example your pet throws up- vet determines they have a gastric infection- now that could mean limits or no coverage on anything to do with the illness/infection from the mouth to the bum. My only complaint regarding Trupanion is that their advertisement of your rates will never change are very misleading. They cover what they say they will and they reimburse you very quickly just make sure you are able to budget for 20% increases every year for the life of your pet- that means your rates will double in 4 years, triple in 6, and by age ten you could be paying 619% more. My rates will be over $400/mo (just about $5000/yr) in the next 4 years- that is a long way from $50 a month!
5

out of 5

POSTED: | BY: David Csintyan

Exactly the support I would have hoped for...

Our Wheaton Terrier is undergoing a series of kidney procedures due to high kidney values so I opened a claim with Trupanion. The response received was timely and accurate and provided a solid basis for future claims, as required. Thank you!
5

out of 5

POSTED: | BY: P.H.

I trust Trupanion

Trupanion it the ONLY health insurance company I've ever come across, that truly seems to have the interest of it's customers (and their wonderful pets) as their first priority. I was skeptical about the value of pet insurance for years. This is the first online review I've ever written...That says something! P.H. Garrison New York
5

out of 5

POSTED: | BY: Adrienne Mattson

Great first experience with pet insurance.

First time having and using pet insurance and trupanion made it seamless. The day my dog got home from the hospital, my check was in the mail!
5

out of 5

POSTED: | BY: Jennifer Nicholson

Fast, easy and painless

My 2-year-old dog needed entropion surgery (to correct her inward-facing eyelids). From submitting the initial estimate to receiving the final reimbursement, every single step with Trupanion was simple, straightforward and speedy. At no point was I stressed out or worried that anything would go wrong. This was a blissfully smooth process with some of the best customer service I've ever experienced.
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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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