1
out of 5
POSTED: | BY: Ella P.
Unclear and confusing
Upped my policy with no warning by 20$ just for changing my address
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4.8
out of 5
Number of reviews 27,139
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.
Trupanion was founded in Canada and provides bets-in-class coverage and 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.
To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month.
1Based on a December, 2020 Trupanion study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy.
*Terms and conditions apply. Please view your sample policy for complete coverage details.
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.
1
out of 5
POSTED: | BY: Gustavo Quiroga
“Pre-Existing Condition Applied Without Diagnostic Confirmation”
I am extremely disappointed with my experience with Trupanion after being a paying customer for four years.
My dog, recently required dental surgery. The claim was denied based on a veterinary note from approximately four years ago that mentioned signs of periodontal disease. At that time, there was no comprehensive dental exam performed—no dental X-rays and no periodontal probing under general anesthesia—so there was no way to confirm a diagnosis.
After the initial denial, I spoke directly with a Trupanion manager, who told me that if the veterinarian could confirm that what Beebop had four years ago was not related to his current condition, and provided a supporting letter after the final bill, Trupanion would pay for the surgery.
I followed those instructions exactly. The veterinarian provided a letter clearly stating that, in their professional opinion,(which this letter was complete ignored) it could not be confidently stated that periodontal disease was a pre-existing condition, especially given the lack of proper diagnostics at that time.
Despite this, the appeal was denied again.
I find it very frustrating that after years of paying premiums on time, following every instruction given by Trupanion management, and providing professional veterinary documentation, the claim was still refused. This experience has caused significant stress at an already difficult time when my focus should have been on my dog’s health.
Based on this experience, I no longer feel confident that this insurance provides the support it promises when it is actually needed.“Failing resolution, I am prepared to pursue this matter through the appropriate court, including Small Claims Court, as permitted under Canadian law.”
1
out of 5
POSTED: | BY: Yasmeen Hinton
Would not use Trupanion again
Would not use Trupanion again. We have insurance through this company for our first dog, which we bought when he was 8 weeks old. The monthly premium is reasonable. We just adopted another dog at 8 weeks old. The premium is now $100 MORE per month than what we pay for our other dog! Ridiculous! They also do not offer a discount for multiple animals. I am not shopping around for pet insurance for both of my dogs.
5
out of 5
POSTED: | BY: Cheyenne
Highly recommended!!
We have two dachshunds and their breed is prone to all sorts of back troubles. We have had it since our older boy was just a baby and never had to use it until this weekend. Our vet team was able to put our claim through the Trupanion system in front of us before we left the clinic. Our sweet boy did end up needing an MRI and surgery. Up front, our costs had many zeros following but with this insurance, we only had to pay a small portion that we already knew was not covered (such as the emergency costs of walking in the door). We really like that the vet team is able to get confirmation of what insurance pays and what we pay right up front, rather than us having to pay all up front and submit a claim later. I have highly recommended Trupanion to many people after seeing how easy this process was. Our little guy is now home recovering and we are just so thankful we opted for insurance all those years ago!
1
out of 5
POSTED: | BY: Javier
26% increase when updated my address (in the same city)
They increase the cost of premium whenever they want, but I still kept my insurance for over 3 years. I was very shocked today when I updated my address (in the same city) and the premium went up by 26%!!!
I reached out to customer support thinking it might be a mistake but they confirmed it was the correct price since I was now in a different “pricing zone”.
Of course they won’t share any details or further information to justify such an increase.
Beware of the promises they make in their website, they can be very misleading.
Monthly Cost
Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.
Coverage
One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice.
To view a full list of inclusions and exclusions, check out our sample policy here.
Payout Limits
Unlimited lifetime payouts on eligible conditions with no payout limits-ever.
Deductible
You can choose your deductible from $0 – $1000, in $5 increments, to fit your budget.
Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for an eligible condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.
Age Limits
All pets under 14 years old can enroll.
Once enrolled, pets stay insured regardless of age.
Waiting Period
Accidents: 5 days
Illnesses: 30 days
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 all pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early!
*Terms and conditions apply. Please view your sample policy for complete coverage details.
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.
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
$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
Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in the United States by American Pet Insurance Company and in Canada by Omega General Insurance Company