Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 60,204

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.2
  • 4.8
  • 4.8
  • Count
  • 9
  • 1002
  • 60,204

Updated: November 13, 2023

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: Meg

This company has sunk to new levels of suck

I've had Trupanion for over 9 years and their service has gone so downhill I am not sure they can ever climb back up. My dog recently had a planned surgery, followed up by an emergency surgery 2 days later. They have not paid the claim correctly and even though I have called 5 times to request a breakdown of how they attributed money to the claim, I still have not received it. I've made several complaints to the Better Business Bureau, which have not resulted in any resolution. I received an unsigned email from someone asking for pathology results, which I gave them, and also explained that they had attributed costs incorrectly and to call the vet to verify this, which they did, and yet have never adjusted the claim or responded to me. This is in addition to a claim that was denied last year that I found out was due to an incorrect entry in my dog's history at the vet. The vet corrected it and suddenly Trupanion ghosted me because they didn't want to pay out the claim. The services they claim to offer are really the best around, and I absolutely loved them and recommended them to everyone until the last few years. Now I feel they only bait and switch, while raising their prices astronomically. They used to raise them a couple of dollars a year, but this year, it was $20 for one dog and $30 for the other dog. I'm not sure what has happened at this company, but basically with the prices I'm paying a month, it's gotten to the point where it's almost not worth it anymore. Any claim over $1,000 is not paid correctly and then they completely ghost you. Even the customer service representatives say not to send an email because they don't answer them, so you have no way of even documenting your requests to them. I'm worried I am going to have to contact a lawyer just to get anyone to talk to me. It's so frustrating, but mostly just disappointing because I used to really love and trust this company.
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5

out of 5

POSTED: | BY: Lisa Arnhold

cadillac of pet insurance

I shopped and compared. Wanted the best for my new puppy. I had questions, i got answers, explanations. She made sure I understood my policy, what was covered, etc. Was it the cheapest insurance? No.... but I feel it was the best choice. Especially how my vet reacted when I told him what I had chosen "Cadillac of pet insurance!" makes me feel that much better.
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1

out of 5

POSTED: | BY: Katie

Extremely Expensive

Received an email today from Trupanion stating that they’re increasing our monthly premium by over $23 due to inflation. Trupanion is already significantly more expensive than other insurance quotes we received but we signed up for coverage because they will pay our vet directly. We have not filed any claims, our dog has been healthy, and we have paid on time every month. Trupanion has already offered minimum coverage compared to other plans and has not mentioned any plans to extend coverage or improve their service and I don’t see a justifying factor for such a significant increase in the premium. Trupanion went on in their email to state that they don’t increase premiums due to a dogs age but then it would be rather convenient that the premium increase was sent 4 days after our dog turned 1 and the day after we already paid the monthly premium. I had heard from many others that this is a common occurrence from trupanion and I could understand maybe a $5 increase per month but $23 per month is ridiculous and insane and we are very unhappy with trupanion.
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4

out of 5

POSTED: | BY: Jenn H.

Trupanion Directly Pays My Participating Veterinarian

The process to join Trupanion online is very easy and convenient. I like the fact that I have a coverage options. I feel good knowing that my new puppy is covered nose to tail!
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5

out of 5

POSTED: | BY: Paula Saunders McCully

It was just so easy to do!

It was just so easy to do!
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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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