Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,473

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
3

out of 5

POSTED: | BY: Maggie May

Frustration and headaches

I was very frustrated trying to get the documents that they wanted me to get. I would send information and I would get an email the next day telling me something was wrong with it. This was a fairly serious condition and the invoices were from over a month. I did not always understand what they were asking of me. I cannot begin to tell you how many times I contacted them trying to get everything done. I was extremely impressed with Joyel when we chatted online. She truly wanted to help me. I was so frustrated. We had a fairly serious problem that presented itself during a routine spay. Obviously, the routine spay was not covered under my policy and I knew it. But there was more surgery afterwards. I still don't totally understand why if they have to consult a specialist, it's not covered. Her case was fairly unique. This has been my payout since I first started using Trupanion with my first of three dogs in 2018. I am not sure that I got the date of the spay correct, but I did not want to go back through my notes and lose what I had written. We truly had at least 3 weeks worth of testing that followed that. Eventually they did cover everything except the specialist consult. Otherwise I would have given them a two. And the two comes from just the frustration of trying to get what they wanted in to them for the claim.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Laura

Thank you Trupanion

I had to take my dog Tuni to the ER 2 nights ago because she seemed to be in pain and it was not clear why. The whole process was scary. She appears to have a back issue with a vertebral disc problem. We needed x-rays and bloodwork and pain meds. The bill was close to $1600. The ER was able to direct bill Trupanion and this was a huge relief. They covered over $1000 towards the bill right at the time. My baby will need follow up but I am feeling less stressed because of having Trupanion.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Carolyn Arthur

So helpful

So helpful, knowledge able, wanted everything to be done for me. Thank you for all your help filing my claims.
Read more on Trustpilot
5

out of 5

POSTED: | BY: WILLIAM LIEN

Pomptness of processing claim

Pomptness of processing claim. Direct payment to Vet
Read more on Trustpilot
5

out of 5

POSTED: | BY: Michael

Trupanion has gone above and beyond for…

Trupanion has gone above and beyond for my family these past couple weeks. They covered my dog Rivers vet bills far better than i ever expected and made an incredibly stressful situation so much better. River needed really expensive treatment this week and Trupanion came through is such a big way. I will absolutely keep Trupanion as our pet insurance for life. Highly recommend to any pet owner.
Read more on Trustpilot
Please leave a review

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
Provider website

Get a quote today

Leave a review