Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 57,922

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.8
  • 4.9
  • 4.9
  • Count
  • 95
  • 6259
  • 57,922
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: customerMartha McKiever

Glad to have a solid plan for my pets

Getting pet insurance for my two dogs and three cats was a huge step for me and I researched it before deciding. My vet recommended Trupanion. I spoke with Derrick who walked me through different coverage options and explained how the insurance worked while not using a high pressure sales pitch. I’m more at ease knowing each of my pets is covered for unexpected illness and accidents and I have a plan ready for financial support.
5

out of 5

POSTED: | BY: PT

Easy as 123

The enrollment was simple and fast.
5

out of 5

POSTED: | BY: Sharon

I enrolled on the phone

I enrolled on the phone. The rep was great. He even told me how sorry he was that we lost our dog who just passed away.
5

out of 5

POSTED: | BY: Elizabeth Clark

A Must Have for ALL Pet Owners

An excellent company that is completely up front and discloses all relevant information - including (over time) slight price hikes which EVERY pet insurance has. They allow flexibility in their terms (deductibles, changes, etc.) which are NOT relegated to an annual time period. Customer service is above average and human - literally. Highly recommend for any pet owner - especially for new pet owners of puppies. Things pop up and the security in the knowledge my pet won't have to go without care because I can't financially afford it is truly worth it!
5

out of 5

POSTED: | BY: Bernard

I am not a new member

I am not a new member. I used Trupanion with my previous cat who passed away in early May. I found Trupanion to be an excellent resource. When my kitty had kidney failure Trupanion paid for the larger part of my vet bills. Now I have another cat and I enrolled her immediately.

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, Trupanion will reimburse up to 100% of all eligible expenses. Trupanion covers an extensive list of all new, unexpected accidents and illnesses. They will never limit the number of claims you can submit each year or for a specific condition. You can count on Trupanion year after year for some of the best and comprehensive coverage for your pet.

Some examples of what they cover are hereditary, congenital, and chronic conditions, diagnostic tests, emergency care, prescribed medications and supplements, and more.

There are three additional riders to give you even more coverage, if not already included in your states core plan: Recovery and complementary Care, Pet Owner Assistance, and Breeding.

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.
Provider website
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

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