Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 60,103

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.6
  • 4.8
  • 4.8
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  • 16
  • 1161
  • 60,103

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
5

out of 5

POSTED: | BY: Meaghan

Awesome pet insurance

Good, decently priced pet insurance. Very helpful customer service.
5

out of 5

POSTED: | BY: Bj Judge

Claim submission is a breeze

I've had pet insurance with another company before & they were nothing short of a pain in the ass to deal with & they still denied several of my claims that they should have paid; I've had none of that with Trupanion, every interaction with this company has been great! Not having to worry about having to argue over every claim & continually follow up with multiple call backs has been worth it's weight in gold! And the claims submission process is a breeze! Awesome!
5

out of 5

POSTED: | BY: James Piontek

Great service

Great service helpful fast payment and you can get a pre approval so you know its covered people care not everything is covered but Major stuff is
1

out of 5

POSTED: | BY: Kendra McMasters

Don't use them!!

Letter to TRUPANION PET INSURANCE - I really hope somebody in the company that cares, might see this and make a change. I don't know how you sleep at night, with the money you steal from clients. I've been a loyal customer for 10 years. First, you claimed some false reason to not cover my cat's condition which my vet stated was NOT related to a previous issue. So I cancelled his coverage and kept my dog's. Then after 10 years of never using your coverage, I finally used it and you IMMEDIATELY tripled my rate. Truly, I should have cancelled then. Really stupid of me. Earlier this year my dog had a bone infection in his head. Now he has another one and because it's on his jaw and my vet thought it might be a root abscess, you denied coverage because you feel it's somehow related to MILD tartar from NINE years ago, even though he's had no progression or ANY dental issues since then. Are you serious? My 13.5 year old has WHITE teeth - he's never even needed a dental. What a scam. Obviously I'm going to have my vet follow up as this is likely related to his previous infection but I'm cancelling my account and will do everything I can to make sure people see you for what you are - a scam. My company offers your insurance as a benefit hundreds of employees - I'm going to do my best to encourage them to cancel with you. I entrusted you with the health and care of my best friend - I've invested in you financially and emotionally with the understanding that you would help me care for him when he actually needs it. You are the reason people always say it's better to put your money in a savings account then to trust an insurance company. What an immense disappointment.
5

out of 5

POSTED: | BY: Ronnie Shorenstein

Fast and honest

Very fast and reliable claims service

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

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