Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 61,843

  • 60 Days
  • 1 Year
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  • 5.0
  • 4.7
  • 4.8
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  • 6
  • 658
  • 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: Ted

very good

We had to have a lump removed from our dog Henry's left leg and biopsied. The lab report was negative, no cancer and Trupanion approved the claim promptly and fully. The only delay came when Trupanion had to wait for my vet's office to send Henry's medical history (this was our first claim).
5

out of 5

POSTED: | BY: Lori

Great return on my claim- fast and no problems

I just got the insurance in September and also added hip dysplasia to the coverage just in case. My dog started limping in November and I was able to get the necessary tests to diagnose his problem because I had pet insurance. It ends up the vet suspects he has hip dysplasia due to the tests and now I can treat it properly. Trupanion was so easy to work with and I got a check in 4 -5 weeks. The paperwork was easy also. I am very happy I chose Trupanion to be my pet insurance company. I did alot of research before choosing them and they seemed to be the best, but you are never quite sure until you have to submit a claim, now I am sure I picked the best company!
5

out of 5

POSTED: | BY: Jessika Sobanski

Trupanion lives up to their promise

We signed up for Trupanion in July or August and twice have filed claims: once for an ER visit and once for a vet (sick) visit. They don't pay for well visits or the exam fees, but they do pay 90% of the sick visit procedures. My last bill was $187 and change and I just got a check for $125 and change. I like this plan a lot because we can budget for the well visits... it's the little surprises along the way that get us! It is also super-easy to use. You just give the doctor the Trupanion form and then next thing you know Trupanion is eMailing you to tell you that your claim is being processed.. and then again to tell you how much you are getting back. It is very fast (12/16 visit date, 12/23 check issue date)!
5

out of 5

POSTED: | BY: Lisa

Trupanion is wonderful!

We have a one year old Golden Doodle. When we got him, my husband and I decided to get pet insurance. After much online research and comparison shopping, we chose Trupanion with a $0 deductible and 90% coverage. It was worth the $41/month to sleep at night and not worry if something happened and we had to come up with a lot of money. Well, the worst did happen. Our puppy came down with Meningitis and had to have almost $4,000 worth of medical work done to diagnose and heal our puppy. We paid for the tests, doctor appointments and drugs and kept our fingers crossed that Trupanion would reimburse us at 90% of our costs. Upon submitting the claims, we heard from our local Trupanion rep and she informed us that we would be covered and that any other costs involved with this condition would continue to be covered in the future. We were thrilled. Trupanion has been nothing but wonderful to deal with. We are so relieved that we chose this company to insure our pet.
5

out of 5

POSTED: | BY: Ingrid Saunders

Not happy with deductable increase

Trupanion has been good so far but I don't like the increase and now a deductable has been added. Not sure if it will be worth continuing. Can't see how a contract that was first started can be altered to this degree. Sure does not seem fair. Have always praised your company for taking care of my pet costs at an affordable price. This policy change should only effect new customers starting with 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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