Trupanion US | Pet Insurance Review

9.7

out of 10

47909 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 9.6
  • 9.7
  • 9.7
  • Count
  • 829
  • 10502
  • 47909
Only Trupanion can say that the pets we insure lead longer, happier lives.1 Pets can be full of surprises—so their insurance coverage shouldn’t be. That’s why Trupanion is dedicated to helping the pets we love get the care they need. The Trupanion policy was designed by veterinarians to protect cats and dogs like yours by taking cost out of the care equation. When your furry family member is sick or hurt, the last thing you want to worry about is affording the treatment they need. That’s why Trupanion is the only provider who can review, approve, and pay your claim direct to your veterinarian at the time of checkout.* No more juggling credit cards and no more waiting for reimbursement. Your pet gets treated, you pay your portion, and go. We take care of the rest. 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. Coverage may vary by state. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Express. Trupanion is a registered trademark owned by Trupanion, Inc.  Underwritten in the United States by American Pet Insurance Company and in Canada by Omega General Insurance Company.
10

out of 10

POSTED: | BY: nicholas vlachos

mr.

i thought the insurance was a little expensive but it turn out to be much needed. Our claim with trupainon was handled seamlessly. No hassles just very good service.
10

out of 10

POSTED: | BY: Renee Selan

Thank You Trupanion

Because of Trupanion, I was able to make the decision to give my dog lifesaving treatment for three unrelated life-threatening illnesses.
10

out of 10

POSTED: | BY: Cynthia Bledsoe

Best Pet Insurance Company

Trupanion has been an absolutely wonderful company to work with. I have had a policy with them going on 9 years for two dogs. They truly place your pet's well being first and foremost! I have two dogs under policy. I have found Trupanion to be very kind, courteous and caring toward their clients. They follow up with communication within hours to let you know they have received information and are reviewing your claim. They are expedient in letting you know how much of your claim is covered and then promptly either pay the vet directly or they pay the client. I have found their coverage to be very fair each time I have made a claim. I highly recommend Trupanion!
10

out of 10

POSTED: | BY: Karen Perron

So thankful for Trupanion!

We've had 2 claims so far with submitted through Trupanion because our big puppy is opportunistic and steals/eats socks. We've been to two ER vet clinic and one submitted the claim for us. The other, I had to pay and then submit to Trupanion. They were awesome both times!! Honestly, I thought the second one would be hard to submit and wait for approval, but they were quick! The documents were easy to upload and the claim processed within 24 hours of all the docs being submitted. We are so glad we purchased this plan, for peace of mind and convenience!
10

out of 10

POSTED: | BY: Cathy Race

yous are the best

yous are the best

Monthly Cost

Your monthly rate is determined by multiple factors, including your pet’s species, breed, age at the time of enrollment, and gender. Other factors include what deductible amount, if any, you choose and the average cost of veterinary care in your area.  

Coverage

The Trupanion policy pays 90% of the bill for all covered expenses once your deductible is met. Plus, we cover:

  • Hereditary conditions (like hip dysplasia, diabetes, etc.)
  • Congenital conditions (like heart disease, cataracts, or liver disease)
  • Unidentified conditions (like vomiting or diarrhea, cough, sudden weight changes, etc.) and the diagnostic tests needed to identify them

We also offer a Recovery and Complementary Care rider to expand your policy to include additional treatments like:

  • Acupuncture
  • Chiropractic Care
  • Hydrotherapy
  • Physical Therapy
  • And many more

Payout Limits

The Trupanion policy* has no payout limits, so whether your furry best friend 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

Customize your deductible to fit your budget, from $0 to $1,000. You can choose to lower your deductible within the first 30 days of enrollment, or increase it at any time.

Plus, Trupanion policy deductibles are per-condition and good for the life of your pet. That means no annual resets—once a deductible is paid, it stays paid. Forever.

 

Age Limits

All cats and dogs under the age of 14 can enroll.

Birthdays are for celebrating; so unlike other providers, we don’t factor getting older into your pet’s rate. If you enroll your cat or dog at 6 weeks, they’ll always be 6 weeks—and priced like a 6 week old—in our eyes.

 

Waiting Period

  • Accidents: 5 days
  • Illnesses: 30 days

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, preventive, elective, or cosmetic care
  • Sales tax, where applicable

Like all 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 Express.

 

Trupanion was founded in 2000 with the goal to take cost out of the care equation. We believe that the pets we love—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 Member Support—yes, even on holidays 20+ years of experience Over $1 Billion paid in claims Over 600,000 pets protected Unlimited Payouts The only provider that can pay your veterinarian directly at checkout* Accepted everywhere in the USA, Canada, and Australia * At participating hospitals

Get a quote today

Leave a review