Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,270

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:

Diarrhea issues.

I’m extremely disappointed at the unwillingness of Trupanion to cover a claim regarding my puppy’s digestive issues which seem to come and go. Trupanion has concluded unfairly that the issues are pre-existing. I strongly disagree as the occurrences are not continuously sustained. It’s difficult for me to recommend Trupanion at this time.
5

out of 5

POSTED: | BY: Nicki

A dog's life made better and longer

We first had Mazie as a one-year old foster. I had a feeling she'd be trouble after discovering she was pregnant and fostering her and her 11 puppies. I signed her up when I adopted her after "foster fail." After 10 years, Trupanion has helped me keep Mazie going through two TPLO surgeries and now an ongoing battle with Valley Fever. They treated the two TPLO issues as one, so I didn't have to pay two deductibles, just one. Mazie fought through Valley Fever a few years ago with 18 months of expensive meds and expensive blood test checks. The valley fever has come back and is affecting the bone in her elbow, and Trupanion is again there for us, paying 90% for X-rays in addition to the meds and tests. Customer care is excellent, with claims paid in about 3 days. God Bless Trupanion!
5

out of 5

POSTED: | BY: Lindsey

Trupanion has been better than I ever…

Trupanion has been better than I ever could have imagined! We will be a member for life with all of my animals! My dog had bilateral cruciate injuries and trupanion paid the vet directly which took a lot of stress away. Trupanion response time is amazing and their evaluation of claims is efficient and fair. We love Trupanion!!!
5

out of 5

POSTED: | BY: Kelly

Reliable

I have never been disappointed by Trupanion. I had 2 boxers one of which we lost after a painful battle with cancer. Many tests and treatments, thousands of dollars. We never had to wait, we were not challenged ever. Made the process doable and made our family feel we had done all we could. Same with the day to day care of Tyson. Always reliable, no delays. It’s really important that any insurance company does their job in that manner and this is one of the few that do. Better than my own insurance!
5

out of 5

POSTED: | BY: Lynda

Best thing I’ve ever done for my pets

They are the best when it comes to paying your claims. I have had Trupanion for a few years now, and they live up to their promise of payment.It’s a very good feeling to know they are right there when you have unexpected expense for your pet

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

Get a quote today

Leave a review