Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 62,992

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: Shawn Fryer

Wonderful Customer Service Experience

Trupanion has been with us since we first got our Victorian Bulldog Mozzie. Their customer friendly approach to service and the options they provide are top notch. They are very clear in what they will and will not cover and they provide us quick and detailed responses as to what they have done and what they will do. Excellent service and worth the money, in my experience.
5

out of 5

POSTED: | BY: Christy Simpson

Trupanion rocks!

I have Trupanion coverage for my two 11 year old Tabby cats (brothers) and I couldn't be happier with their expedient responses and reimbursements. What a lifesaver. Literally. My furbaby, Ace, was recently hospitalized for almost a week with severe symptoms and I was able to provide him good care due to my coverage. Thanks Trupanion!
5

out of 5

POSTED: | BY: Richard Showalter

Life saving!

I never submitted a review for this in the past, but at 14 weeks old (back in March 2012) Jocko had an accident that broke both front legs. Had it not been for Trupanion, there is no way I could've afforded to get him the care he deserved. Now, more than 3 years later, Jocko is about to turn 4, and other than a slight bend to one of his legs you would never know he had surgery. He is hands down the best dog we have ever had and that wouldn't have been possible if it wasn't for Trupanion. When claims were made it was a matter of two weeks at most between paying for the procedure and being reimbursed. Every dog my wife and I purchase will have Trupanion from the day we get them, no questions asked.
5

out of 5

POSTED: | BY: Sharon

Trupanion

I have recently submitted a claim to Trupanion and I have had only the best service with this insurance company. I would highly recommend Trupanion to my friends and co-workers and any other pet owner I met. Great job keep it up. Thanks Sharon
5

out of 5

POSTED: | BY: Deanna

Wonderful Experience

I enrolled with Trupanion several years ago after my dog injured her leg. There were a lot of out of pocket expenses associated with her surgeries. Of course after I got the insurance, I didn't use it. I decided one day to cancel and made the phone call. The representative I spoke with asked if I was sure I just wanted to change my deductible to lower my monthly payments a little as my pup was getting older. I decided to go ahead and take her suggestion. Best decision ever. My baby girl began having seizures in February and between doctor visits, emergency stays, tests, MRI and prescriptions the costs grew rapidly. From the beginning of the claim to the end (I actually just lost her a week ago), everyone was wonderful. My vet was able to put their invoices through Trupanion directly and then I was only responsible for the balance (10%). When the facility was not able to follow this process, I completed a quick claim form and emailed it along with my receipts. I was notified quickly that my forms had been received, were being processed and payment was received within a few days. There is no way I would have been able to provide my sweet girl with the treatment and medication she needed if I did not have Trupanion behind me. I will definitely be signing up with them again when I'm ready for my next forever friend. I would, and have, recommended them to anyone who will listen. Thank you Trupanion!!!!

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

Get a quote today

Leave a review