Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 60,294

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.9
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  • 5
  • 496
  • 60,294

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: Mike

Good company easy to work with

I signed up for the Trupanion 2 month free trial offer. About day 28 into the trial offer my dog ingested two AA batteries. I took him to the Vet and recieved a $616 bill. I filled a claim with trupanion and faxed over the entire medical history. Less then one week later I have a check in the mail for 90% of the bill as promised. They are really easy to work with absolutely zero hassle. The only thing I would improve is the ability to submit claims via email. Not everyone has a fax or enjoys going to the post office. I would have given them a 10 had they had email claim submission.
5

out of 5

POSTED: | BY: Pauline

48 hour approval

Submitted my claim on a Monday for $ 550.00 and had an email approval by Wednesday. Check was in my hand by Friday. 90% of the $550 minus my exam fee and zero deductible. What more can u ask for? And... All tests showed NO CANCER! Peace of mind that I would not have been able to afford.
5

out of 5

POSTED: | BY: Maureen

Amazing Customer Servce

I have a 12 year old cat who I love like a child. She has always been healthy but then after her vet died I found out just how expensive vet costs could be (my previous vet had extremely low costs even for major surgery). After pricing the surrounding vets I realized I needed pet insurance. I then began debating whether to cancel the insurance or not especially when funds were tight, but given her age I figured I'd better keep her insured. Well the last few months have been very difficult in our house - our dog died of tumors and internal bleeding and then my cat started getting sick. They diagnosed her with hyperthyroidism but fortunately since she was in the early stages they were able to do the I-131 Radioactive Iodine treatment. Trupanion picked up all covered costs and did so at lightning speed. I had an email with the approval within 3 days of faxing in my claim forms. Every member of their staff I've dealt with were so compassionate and genuinly care about the pets they insure. I would highly recommend them for any pet owner that truly loves their pet and would do almost anything for their quality of life. I don't know if this will be screened and my email address removed when this is posted, but anyone that would like to ask me informaton personally about the quality of insurance and the customer service at Trupanion, may do so (please no spammers) at: mredhead@brbilaw.com. I'm happy to answer any questions you may have and confirm my view that they are th
5

out of 5

POSTED: | BY: Julie

Brilliant Service - Highly Recommended

I signed up with Trupanion two years ago (when it was still Vet Insurance) and have never once regretted my decision. My monthly payments are comparable (even lower than were I to go with anyone else), I chose not to have a deductable and they have been wonderful to deal with every time I've had a question, a concern or have had to make a claim. The last claim I made was just this week. I faxed the insurance form and documentation in on Tuesday and not only recieved an email to let me know they recieved the claim, but also emailed me to let me know when it was opened and when a payment would be coming. It's been 3 days later and my claim has already been processed. They are quick, efficient and most definitely the best (and only) choice to make when deciding about pet insurance.
5

out of 5

POSTED: | BY: STEVE IN

CUSTOMER SERVICE PERFECTED

For many years I had my dogs policy with VPI..What a mistake!! They allow so little you get back with each claim!!I last sent in a claim for 450.00 and got back 175.00I am so glad my friend told me about Trupanion and EVERY call to their customer service for anything was 101% PERFECT!!! I just enrolled my dog Frisco and had the great fortune of having Sarrah handle the transaction.She handled the process with ease and amazing knowledge!By the way they have an A rating with the BBB and I am thrilled I found 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

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