Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 61,843

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.8
  • Count
  • 6
  • 678
  • 61,843

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: Andrea C

So far so good!

I have nothing bad to say about Trupanion! I have a very accident prone 2 year old Boxer. I purchased this insurance last year as I was sitting in the waiting room of the E.R. when my guy drank antifreeze and cost me over $4,000. It has been by far the best decision I made. We have had several injuries since then, the most recent being a severed artery needing surgery! Now, my dog loves to injure himself after hours so these all end up being costly E.R. bills and I must say I am very satisfied with my timely reimbursement and customer service. Plus with these economic times every little bit helps, we could be getting nothing back.
5

out of 5

POSTED: | BY: Kris

Well worth it!

After my pupy's first surgery to remove a corn cob from his intestine and the $3,000 bill that came with it I decided I needed pet insurance. My cousin is a vet tech and reccomended trupanion as one of the insurances that pay out the most. In the first 2 months of having the insurance it has payed for itself. Within that time I had to bring my puppy back to the vet for two different illness related reasons, both accumulating to over $1,500, and with 90% coverage and a zero deductable on my plan the visits were more affordable than had I not had the insurance. After Filling my claim I recieved my reinburstment checks within 2 and half weeks. Overall I would say I am very satisfied with Trupanion. The only draw back that I see to this pet insurance company is they do not cover the fee of the vet seeing the dog. Which in my opinon should be covered if it is part of the illness or injury and can be costly on its own.
5

out of 5

POSTED: | BY: Frank F.

Very satisfied

Our 3lb Yorkie got sick earlier this month and had to be hospitalized for a few days. Thankfully she made a full recovery. I submitted a copy of the vet's bill to Trupanion and they processed the claim quickly and easily. I can't say enough good things about my experience with this company so far. All of the customer service representatives and claims adjusters I've worked with have been very helpful and easy to work with.
5

out of 5

POSTED: | BY: Deb

Covered as Promised

I am very happy with Trupanion. My bulldog had several respiratory and skin problems--all were covered. She also had surgery to remove a cyst on her lip, also covered. They've gotten much faster at processing claims lately too.
5

out of 5

POSTED: | BY: Heather M

Excellent Reimbursement

Mercesdes, our 10 week old great pyrenee puppy, recently got ahold of a fallen glass Christmas tree bulb and upon breaking it in her mouth swallowed the majority of the ornament. We'd gotten Trupanion for added protection, we thought we wouldn't need. All dogs can have unexpected health problems that cost a great deal of emergency vet. care, and Mercedes needed this immediately. The specialists had to do surgery on her, and there was no way we could have afforded it, but Mercedes insurance company promised to pay over 90 percent. Well, we just received notice within a month, that over $3000. worth has been covered. We are elated and very grateful. Thank You, Trupanion!!!
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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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