Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 62,992

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: Mrs. Lenora

surgery

my dog was approved for surgery at primary vet. when vet saw the extent of the injury,thankfully he said he was not qualified to do the surgery and sent us directly to trauma vet. trupanion did not want to pay because they had not approved for this vet to do surgery. thank God we didn't answer cell phone as we were driving and kept on to trauma vets office. we waited 41/2 hrs, with tru panion and the vets office telling them how badly she needed the surgery. they kept refusing, but after 4 hrs they relented and ok'd the surgery. we were all at our wits end by then. I am torn as to whether I would recommend them to anyone because of this. but they did ok surgery and gave me the amount I would be paying right away, so that was a positive in their favor.
5

out of 5

POSTED: | BY: Val

Incredible Service When I Needed it Most

I cannot say how grateful I am to have found Trupanion Pet Insurance. I adopted a rescue dog who quickly became the love of my life and I don't know what I would have done if I hadn't had Trupanion. About six months after I adopted Tulip, her back went out and over the next year, I received thousands of dollars in vet bills. Trupanion paid 90% of everything that was covered and direct deposited it into my bank account within a couple weeks. The process couldn't have been any easier. Not only did they do what they said they would, but I received emails from them asking how Tulip was doing and thanking me for taking such great care of her. Each time I called their office and spoke to someone on the phone I was always asked how she was doing in a genuinely caring voice. I recommend Trupanion with my highest possible recommendation!!!!
5

out of 5

POSTED: | BY: Katie O'Donoghue

Better insurance than any I've ever had for myself

We sadly acquired a puppy that developed a severe deformity. To get a diagnosis it took multiple x-rays, ultrasounds and MRIs. Needless to say this was several thousand dollars of tests, and now ongoing treatment and rehab. Trupanion paid just as the contract we signed said they would. Everything has been reimbursed at 90 percent and in a timely manner. I wish my personal insurance paid this well ! I would highly recommend Trupanion to all pet owners. Best to buy when your puppy or kitten is young, then there is no question about a pre existing condition...really a fantastic company!
5

out of 5

POSTED: | BY: Lara

Thank you Trupanion!

I got Trupanion Pet Insurance for my two cats as a Christmas gift from my partner. We went away for Christmas and two days after we got back my young cat, Muffin, refused to eat. We took her to the vet for a check up and for the next three days we returned as none of the suggestions to get Muffin to eat were working. Finally, we had to get x-rays, medications, and finally surgery. At this point we were fresh out of ready cash to pay for procedures and had to call our brand new insurance company for pre-approvals. Trupanion was really easy to deal with, their case worker, Maria, was supportive and compassionate and Trupanion came through on all counts. I am so impressed and thankful for everything Trupanion has done for my little Muffin and for her worried parents. We are still working with the vet to find out what is wrong with our cat but I feel so much more confident knowing that we can depend on Trupanion.
5

out of 5

POSTED: | BY: Marcia Walsh

WONDERFUL

WOW!This is my first experience w/ TRUPANION, so thank ful my vets recommended this company. I have been w/ VPI since 1989, have been happy w/ VPI, but TRUPANION WAS FANTASTIC! We recently had a huge scare w/ our 5 mo IrishWolfhound, thought we were going to loose him, emergency, many tests, inc a spinal tap, huge amount of meds, 5 days of hospitilization HUGE!! bill...TRUPANION was contacted by our vet immediately, their coverage is awessome, their response within hours!! Quincy is recovering well, eating, sleeping, finally no pain. LOVE LOVE LOVE TRUPANION!!
Please leave a review

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
Provider website

Get a quote today

Leave a review