Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 61,811

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.6
  • 4.7
  • 4.8
  • Count
  • 7
  • 904
  • 61,811

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: JC

Trupanion has save us $1000’s

Trupanion has save us thousands of dollars as our three mini dachshunds entered into their senior years. One had back surgery. A $12000 bill only cost me $1200. You can have Trupanion pay the vet directly to avoid paying the $12000 up front. Just let them know upfront and don’t let your plan expire or miss a monthly premium payment. We’ve had them for over 15 years now. They will cover dental procedures as long as your vet doesn’t have any dental issues in their record before coverage starts.
5

out of 5

POSTED: | BY: Cleide

Customer services was helpful and…

Customer services was helpful and patient.
5

out of 5

POSTED: | BY: Lisa Chambers

Very grateful to still have my Best Girl

Very grateful to still have my 14 year old Mini American Sheperd! She is the goodest girl, and needed her spleen removed. I would never have been able to afford all the vet visits and ultrasounds without Trupanion. I have it for all 3 of my dogs, and yes, it was more expensive for an older dog. But 100% worth it! They covered 90% of the costs outside my deductible, and at times the reimbursement was direct deposited into my bank faster than the vet bill hit it!
5

out of 5

POSTED: | BY: James Bleuer

Great support in a rough period

My animals have been largely healthy, but we've had a rough patch lately. Our older dog was diagnosed with Osteosarcoma earlier this year, and our younger dog had major jaw issues requiring surgery. We've been through radiation treatment, chemo, amputation, and a jaw surgery in the last 3 months. I've submitted over $28k in claims this year alone (another $5k in 2022). Trupanion paid it all, in a timely manner (minus deductibles, coinsurance, and non-covered exam fees and taxes). I will absolutely continue to keep Trupanion insurance on all of my animals. I couldn't appreciate them more when things get tough. It was nice to be able to navigate this difficult period knowing cost was not an issue, the animals received the highest quality of care they could get. I recommend them to everyone.
5

out of 5

POSTED: | BY: Daniel Knodle

Stick with it - it pays

Signed up for insurance for my now 8 year old German Shepherd when he was nine weeks old. For years he was really healthy but we kept the policy in place. Over the last year he's had some real issues with a difficult to diagnose series of infections. Throughout the process Trupanion paid exactly what they'd committed to pay, with speed I did not expect. He's fine now but needs monthly injections to keep him clear. They continue to cover these - I'm thrilled.

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