Trupanion | Pet Insurance Review

4.9

out of 5

Pet Insurance Reviews: 53,096
Trustpilot Reviews: 4,471

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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. They pride themselves on the amount they pay out to pet owners, paying out more on the dollar than any other pet insurance provider. To date they have paid out nearly $2 Billion in claims. The Trupanion policy was designed by veterinarians to protect pets and their owners by taking the cost out of the care equation. If your pet gets sick or hurt, the last thing you want to worry about is affording the treatment they need, you only need to worry about getting them better. That’s why Trupanion is the only provider who can review, approve, and pay your claim direct to your veterinarian, within seconds, 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. Trupanion takes 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. 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 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.
1

out of 5

POSTED: | BY: Andrea Snow

I want to give a zero

I want to give a zero. My dog Dino was wobbly and collapsed. So I took him to the ER. I had no idea what was wrong with him. I got a vet bill of $1400. Trupanion paid zero stating upset GI tracks are not covered. Not fair. I thought my dog was dying. Looking for insurance now that covers everything.
4

out of 5

POSTED: | BY: Debbi Budach

Very easy to work with!!

Our pup had pretty major surgery, they covered everything!! They continue to pay for her very expensive medication!! It's very easy to file claims, just a quick email. I recommend
5

out of 5

POSTED: | BY: Paul Paterno

Excellent

You know you made a good choice in insurance provider when a seasoned Veterinarian concurs that Trupanion is fantastic. Quick to respond and deliver. No issues or delays. Easy to get a hold of. Thank you Trupanion!!
5

out of 5

POSTED: | BY: Silvia Mitchell

Gold Standard

They have express pay so you only pay your 10 percent up front. They never raise price for aging like most others do. The customer service and 24 hour hotline doubles as a shoulder to cry in when you are worried about your pet emergencies . They paid out 40 thousand for a brain surgery to remove a seizure inducing non malignant tumor. I LOVE Trupanion.
5

out of 5

POSTED: | BY: Derek Pastwick

Very Happy with Trupanion Insurance

I have had Trupanion now for three dogs I have owned. For all three of them, Trupanion has been excellent to work with and honest with their coverage. The dog I have covered now is an Alaskan Malamute that had one significant surgery that was over $5000. Pre- approval with Trupanion was extremely easy and I was reimbursed quickly and fully in line with the coverage I have purchased. Additionally, my pet had a minor surgery that required biopsies. Trupanion figured out (independently) I had been overcharged for more biopsies than had been submitted for testing. Trupanion straightened everything out with my vet to include getting me a refund for the additional biopsies charged erroneously. I am impressed, and will readily admit my dog has better insurance than I do as a professional.

Monthly Cost

Your monthly rate is determined by multiple factors, including your pet’s species, gender, breed, age, and zip code, and the deductible amount you choose.  

Coverage

Depending on your plan, Trupanion policy pays up to 100% of the bill for all eligible expenses once your deductible is met, if you have a deductible at all. Some of the things they cover are:

  • All new, unexpected accidents and illnesses
  • Hereditary conditions (like hip dysplasia, diabetes, etc.)
  • Congenital conditions (like heart disease, cataracts, or liver disease)
  • Chronic conditions (like allergies, or cancer)
  • Diagnostic Tests
  • Medically-necessary hospital stays
  • Prescribed medications and supplements
  • Prosthetic carts

There are three additional riders to expand your policy, if they are not included in your states core plan:

Recovery and Complementary Care

  • Acupuncture
  • Chiropractic Care
  • Hydrotherapy
  • Physical Therapy
  • Behavioral modification
  • Homeopathy
  • Naturopathy
  • Rehabilitative Therapy

Pet Owner Assistance

  • Advertising and reward for lost pets
  • Boarding fees if you are hospitalized
  • Liability coverage for third-party property damage
  • Cremation or burial for death due to accident or illness
  • Vacation cancellation costs due to accident or illness

Breeding

  • Whelping
  • Queening
  • Other injuries associated with 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.

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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