Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,480

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: Jon Dell'Olio

Unsatisfied Client

Each of the past two years Trupanion has increased my premium roughly 30% from $128 in 2024 to now $213.20 in 2026! I understand the need for increases; they are a part of life. However, nothing increases at the rate they have increased my premium over the course of the past few years. The email to me states, "We recently reviewed the data for similar pets in your area, and we found that the average cost of veterinary care has increased." Being a customer for many years, I want to believe them. However, when I called to discuss this significant increase, I asked the person on the phone to share the data with me so I can verify the validity of their claim; she informed me that Trupanion chooses not share that information. Really? If the increase is based on real numbers in comparison to dogs similar to my dog in my area, why not share the data? It leads me to believe that the increase is based on the fact that I actually have to use the insurance to cover the heart condition my dog is suffering from and they are merely punishing me for having to use the service I already pay for. They don't care about my dog. They are just trying to recoup funds. Why else would a legitimate company willfully withhold information from their customers? The fact is they have me over a proverbial barrel because I can't leave them and go to another company with my dog's current condition. The person on the phone assured me that they care about my dog. How can they say that when they are about to push my premium to the point where I will no longer be able to afford the insurance and my dog's care forcing me to make a decision insurance is supposed to prevent me from having to make. My dog is a soon to be five year old Leonberger with heart failure, who has been able to be treated and thrive because of our relationship. However, their greed is forcing an end to this relationship and ultimately an end to Ve's life. Their increases are not sustainable, and they come with a very real and painful cost.
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5

out of 5

POSTED: | BY: SAF

Your fast turnaround time!!

Your fast turnaround time!!
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5

out of 5

POSTED: | BY: Martine

Fast payment of claims

You react fast to my claims and privide clear reasons for payments to me abd reasons.
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5

out of 5

POSTED: | BY: Ann

The process was simple

The process was simple. I uploaded my receipt, payment was in my account in two days.
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5

out of 5

POSTED: | BY: Ron R

Impressive Claim Response

I had the Veterinary staff file a claim for the care provided to my pet by the veterinarian. Trupanion received the information, reviewed the diagnosis and treatment, and approved the claim. The entire process was completed within 15 minutes. I am grateful that I selected Trupanion for pet insurance.
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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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