Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 60,522

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.7
  • 4.9
  • Count
  • 5
  • 496
  • 60,522

Updated: May 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
1

out of 5

POSTED: | BY: Yuetong Zhao

VERY RUDE CUSTOMER SERVICE

I was paying premium for my puppy and it basically covered nothing. I paid most of my cost out of pocket. After a year with Trupanion, I called to cancel my policy because I moved out of Canada. The customer service sounded extremely unhappy about my decision and HUNG UP ON ME while I was asking him a question.
1

out of 5

POSTED: | BY: Donovan Duran

SCAMMED AND LIED TO

I was interested in this pert insurance coverage because it stated on a paper I got from my veterinarian that there would be immediate coverage. The slogan states “Cat-ch immediate coverage with no waiting period or activation cost.” More like “Cat-ch immediate headaches with us screwing you over.” Nowhere did it state on the website or on this piece of paper that there actually was a waiting period. You later see that there actually is a waiting period in a small section in one of the lengthy emails you receive AFTER you’ve already enrolled. I cancelled my coverage and immediately found a cheaper and better coverage pet insurance, and one that doesn’t lie or hide about their waiting period. Now I’m struggling to afford my cats vet bills while frustrated Trupanion did nothing but lie and screw me over. If you care for your pet, find something better for them other than this company. Still waiting on my refund from them.
1

out of 5

POSTED: | BY: MELISSA

beware of waitng period - they hide the info

The fact that there is a waiting period for a new kitten that is only written below the "set up your account" and on page 16 of some lengthy document, when prior pet had no waiting period so no reason to expect this, and they are not paying anything for an emergency visit. This was an acute situation, not an underlying disease. They did not highlight this info before taking payment, and only put it at bottom of email after writing paragraphs on how wonderful they are, and then of course when you see a button you set up your account as instructed and don't realize at the bottom of the email is some hidden info on a waiting period.
5

out of 5

POSTED: | BY: vnola

Very straightforward

Very straightforward, professional and honest
5

out of 5

VETERINARIAN: Trinity Hills 24 hour pet hospital, Calgary

POSTED: | BY: Mark Lewis

Excellent service but…

I had Trupanion insure my dog for 14 years. I recently had to make a move from Saskatchewan to Alberta. I used the self service to change my address and the app told me my premiums would increase 10 fold. I phoned customer service thinking this was obviously a mistake but I was told that whatever the app told me was correct. I was flabbergasted.

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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