Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 62,999

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
5

out of 5

POSTED: | BY: peg keyser

easy and efficient

Wow! Dear Trupanion, thank you thank you thank you for your prompt attention to my claim. My sweet little pup had major surgery and that (in and of itself) is so stressful -- but submitting/filing claims was easy and your attention to the claim QUICK and then next day my coverage was in my bank account. WOW. Particularly during these stressful times, this was just the ease that I needed. THANK YOU!
5

out of 5

POSTED: | BY: Cynthia

We signed up for trupanion insurance…best insurance ever

We signed up for trupanion insurance when our German Shepherd was 10 weeks old. As he was getting a little older he was diagnosed with several medical conditions including bilious vomiting syndrome and severe inflammatory disease. He also was diagnosed at an early age with right and left hip dysplasia. He is now 3 1/2 years old and we are managing all of his conditions. He sees specialists regularly. We would have NEVER been able to treat him without trupanion. They help cover so many of his expenses and we wouldn’t have been able care for him and give him the treatment and surgeries he needed without this insurance. If you get a dog please get Trupanion.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Chris Smith

Trupanion Came Through!

Finley is our first dog in 35 years of owning wonderful canine’s to have pet insurance. We were skeptical but decided to go forward with a plan knowing that veterinary costs have escalated and we wanted to provide the best care for our little man. Nothing is more heartbreaking to make a medical decision for your beloved animal based on the cost of care. When looking into various insurers, we checked Trupanion’s credibility with our vet and Finley’s breeder. Each provided positive feedback. On a Saturday evening, we were faced with an emergency and needed a 24/7 facility. We had a 10 month old puppy with 104 fever, extremely lethargic and unable to walk. Finley spent several days hospitalized. Thus, our first claim! After having a delay in processing, due to incomplete pet medical history records, our claim of $2,600., for a septic joint issue, was processed and paid according to policy terms and prior to 30 days of submission. Thank you, Trupanion and your Customer Service team who helped us through our claim!
5

out of 5

POSTED: | BY: Matthew Stout

Very prompt in answering my call and no screwing around with answering my question.

Very prompt in answering my call and no screwing around with answering my question.
5

out of 5

POSTED: | BY: Alicia Cooke

ACooke

I appreciated the emails for each step of my claim process. As my first clam, I am impressed with the short amount of time it took for it to be completed.
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