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
  • 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: Toronto Dog

Premium Increase

My premium has just increased from $50.82 to $75.04 (including HST). The email states: "With the cost of pet health care continuing to rise as veterinary medicine improves the quality, effectiveness and standard of care being offered for treatment, it is important for us to adjust our rates accordingly." It was under $50 when I signed up. This is the second increase, and my dog isn't even two yet!!! I am now looking for a new provider. On the good side, claims were always handled very quickly.
5

out of 5

POSTED: | BY: Vic

Back Pain, lack of energy

Rocky is a Pug Shit-zu cross who was diagnosed with IVDD by Dr Yeung here in Duncan B.C., at the Prevost Clinic. Trupanion's response was timely and totaly satisfying. Rocky is now back to his old self. Many thanks to all, and Happy Holidays!!!!!!
5

out of 5

POSTED: | BY: Patricia Harpst

Trupanion saves a life

In June of this year my little kitty Jezebel was diagnosed with vaccine related fibrosarcoma on her right hip. To say that my world came crashing down was an understatement. I had signed up for Trupanion pet insurance in January. I had never used it. I was scared. I was scared for my kitty’s life, and I was scared that the insurance would not work and I knew I did not have the money to pay thousands for her treatments. Well let me tell you, Trupanion does exactly what it says it does. They have paid $15,000 to date for Jezebel’s surgery, CAT Scans, chemo and radiation. She is finished with her treatments and currently cancer free. I have never had anything but the best experience with Trupanion and my amazing claim handler Teresa Lee. I fax my claim on a Monday and I receive a check by Saturday. I had so much to worry about with Jezebel and the very aggressive nature of her cancer and taking her for treatments 3x per week. Trupanion was a blessing that they paid so much money for my baby and they were sooooo easy to deal with. They really care about your pets. They all bring their pets to work. It’s a great company. I highly recommend Trupanion.
5

out of 5

POSTED: | BY: Garrett

Thank you Trupanion!!

One week before Thanksgiving our 2 year old Mastiff became ill. Upon waking Thursday morning she was lethargic and disinterested in eating/going out. I left work early to get her to our vet. Initially they suspected an intestinal blockage per xrays. Upon doing blood work they found her red blood count was down to 9% and she needed an immediate transfusion. We rushed down to the nearest emergency care facility (an hour away) where she was diagnosed with Immune Mediated Hemolytic Anemia (IMHA). She spent the better part of ten days at the facility receiving round the clock care and numerous blood transfusions and expensive immunosuppressants. She finally began to stabilize after 8 days. My wife and I were worried that we were going to have to make the hard choice. Thank goodness we didn't. We submitted a claim of over 10k to Trupanion. They covered everything save for our $100 deductible and a 10% copay. She still has a long way to go, 6-8 month of treatment, and even then there is no guarantee that her disease won't strike again. But we feel confident that if it returns (or if another problem comes up), Trupanion will take care of us. Not only would I recommend them to anyone I know, I will never have another dog that isn't insured by Trupanion.
5

out of 5

POSTED: | BY: Juliet

Saved our Christmas

A few months ago we lost our beloved 13 year old cat Perry. Being a military family, Perry supported me through several tours of duty separations including my husband's deployments to Iraq... so this totally broke our hearts. A couple of months we adopted a beautiful kitten we named Schonau, a sweet boy who really started to ease the pain of losing Perry. The day we returned home from our Thanksgiving trip Schonau started a series of seizures that we have yet to get under control. The pain of losing our greatest little love and the thousands of dollars spent (and we are still paying off) in the process, is only exacerbated by the fear of losing our new little one and the additional thousands of dollars that we have just incurred over the last 3 weeks. With all of this stress, financial expense, and the upcoming holidays we thought we would have to cancel gift giving this year, but I am so glad that I made the investment of insuring Schonau under TruPanion. We are still trying to find the cause of the seizures and trying to save his beautiful life and it was such a relief to know that Trupanion covered 90% of his vet bills. We were worried that we wouldn't be able to afford anymore care for his ailment and we now have the hope that we can continue to support our little Schonau. Because my husband and I had determined that we would forego any gifts this christmas in order to help afford all of these vet bills, Trupanion truly saved our christmas. I am so glad that I signe
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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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