Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 61,821

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.6
  • 4.7
  • 4.8
  • Count
  • 7
  • 836
  • 61,821

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: Vishal Iyer

Well Worth The Cost

Two years ago, my uninsured cat sustained some internal injuries while playing outside and the resulting operation cost me $5000. Soon after, I got Trupanion insurance and once again the unexpected happened and my cat started urinating blood for a sustained period of time. The resulting vet costs, so far $600, have been nearly completely covered thanks to my insurance. My cat is able to have access to the best medical care available without me stressing during this difficult economic time. There is no limit on the cost of an individual claim, something few other insurance companies can match. Also, I pay very little as I have no deductible and only a 10% coinsurance all at $22/month. Trupanion is by far the best pet insurance company out there and I highly recommend them. Their staff is friendly and clearly devoted towards pets and their process time is less than 1 week. Given the skyrocketing costs of healthcare, this is a no-brainer.
2

out of 5

POSTED: | BY: Jim Hailey

Not very happy, with our Ins.

We have had Trupanion Dog pet insurance, for about one year. As stated above we are not happy, and we are considering changing Ins. company's. We have filed about six clams and they have only paid for two. They state that our dog had a preexisting ear infection, that is true but it was almost nine months ago. I ask them if they where going to do this for ever, after all it was a long time ago, and they stated if it was preexisting yes. So be very care full if your animal has a preexisting problem.
5

out of 5

POSTED: | BY: Kim

Outstanding Service !!!!

My 3 year old Bulldog Major was hit by a car, He held up pretty good but still was in complete shock and needed urgent Vet care. He was taken to the emergency vet hospital and had a full exam with xrays and then had to stay over night for observation. I have both my dogs covered under Trupanion and have had to made 3 claims in the past 3 years totally around $6000. All I can say is thank god for Trupanion being there. My premiums have never went up due to my claims and the processing time is AMAZING!!! 3 days and my claim is paid. I really can't say anything bad about Trupanion whatsoever. 5 Stars !!!
5

out of 5

POSTED: | BY: Tara Minogue

I recommend Trupanion to every pet owner I know

A few months ago we adopted brother and sister twin kittens. Being a new pet owner I was new to the idea of pet insurance. I was offered a free 30 day trial of Trupanion and decided to give it a try. Not even two weeks later, I came home to find one of my cats, Roku, extremely sick. He had vomited and barely had enough energy to lift his head from where he was lying. Our vet recommended bringing him into the clinic immediately. After being examined, Roku’s blood pressure was dangerously low and the vet was concerned. To complicate matters it was Friday and the vet clinic was closed for the weekend. At my vet’s recommendation I took Roku to an emergency clinic where they had to perform emergency surgery for a possible blocked intestine. They had strong suspicions that he might have swallowed a foreign object or that he had contracted FIP (feline intestinal paracytosis) which is a deadly disease in cats. So one surgery and multiple tests later, the clinic bill had skyrocketed to over $4000. Not exactly the kind of money you keep lying around. I was freaked out by the bill but knew that I had the Trupanion trial. After submitting my claim, I was reimbursed for 90% of the entire bill, no questions asked. I had the check in my hands before the charge was even printed on my credit card statement. All of this and I hadn’t even made my first monthly payment to Trupanion. Roku completely recovered from his surgery and is totally healthy today. Who knows how things would have gone
5

out of 5

POSTED: | BY: Erin

They've been great.

I have a 2 yr old lab cross. Diagnosed with lymphoma at 18 months. Trupanion has covered all diagnostics and chemotherapy treatment costs (except examinations).
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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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