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Trupanion Pet Insurance Review

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Trupanion is a Seattle-based pet insurance company that sells medical insurance for dogs and cats. Trupanion policies are underwritten by American Pet Insurance Company. Founded in Canada, the company expanded into the US and Puerto Rico in 2005. Trupanion offers policies that cover your pets if they get sick or injured, and also cover prescription pet foods, orthotic devices, and carts.
 
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How is Trupanion rated?

Breakdown

5.0/5
Coverage
4.5/5
Cost
4.5/5
Extras

Overall Rating: 4.8 / 5 (Excellent)

Trupanion has comprehensive coverage and a great reputation, scoring an excellent rating on Trust Pilot. However, although unlimited per-condition lifetime coverage is a great perk, it can be far more coverage--and consequently far more expensive--than some pet owners need. And that highlights the main issue with Trupanion: inflexibility. They have only one plan*, one benefit limit, and one high reimbursement percentage. This does not give consumers the opportunity to "adjust the knobs" and change the cost of their monthly premium. They are, however, the only company that can pay your veterinarian directly at the time of checkout.

Trupanion Coverage

Coverage - 5 / 5

Trupanion offers comprehensive coverage that covers prescriptions and prescription foods. As with most plans, the company will not cover preventative care, taxes, exam fees, or pre-existing conditions. Trupanion also offers additional "owner assistance" coverage. This package includes third-party damage, trip cancellation, advertising and reward, alternative therapies, and breeding dog protection. While other pet insurance companies, for example, Healthy Paws Pet Insurance or Petplan Insurance, provide these services in their standard plans, they are only available through Trupanion at an extra cost.

With Trupanion, you have the option to get a recovery and complementary care rider that pays for non-clinical procedures such as behavior modification therapy, hydrotherapy, rehabilitation, and chiropractic care for an additional cost.*
Pets Covered
Dogs
Cats
Coverage Types
Medical
Vet Selection
Unrestricted
Out-of-State Coverage
Yes
Commercial Pets Covered

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy
  • Prosthetics & Mobility Aids

Benefit Limits

Benefit Limits - 5 / 5

Trupanion offers no limits on benefits of any kind, per-incident, annual, or lifetime. While this is indeed a great feature for peace of mind, again, it might suit a particular customer's situation to not have unlimited coverage. For example, someone might know from past experience or the vets in their area that there will be a rock solid limit to what they will possibly spend in a year. Other companies might offer a benefit limit in line with this, and as a result a much lower monthly premium. Having the option is always a good thing.
Benefit Limit Types
Unlimited

Reimbursement & Deductibles

Reimbursement - 5 / 5

Unlike other companies, Trupanion does not allow you to choose a reimbursement percentage. They only offer 90%*. While this is a generous reimbursement, it limits the client's flexibility in customizing their premium. For some pet owners, a lower reimbursement percentage and lower monthly premium might be preferable to Trupanion's single reimbursement model.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
90%
Maximum Percent Reimbursement
90%

Deductibles - 5 / 5

Trupanion sets itself apart from the pack by offering a per-incident lifetime deductible*. This means that your deductible will not reset annually. For a given condition, once you pay your deductible, you can receive unlimited benefits for the rest of the pet's life. Among Trupanion's deductible choices is a $0 deductible, which most plans do not offer.
Deductible Type
Annual
Minimum Deductible Offered
$0
Maximum Deductible Offered
$0

Pricing: How much does Trupanion cost?

Cost - 4.5 / 5

Trupanion's premiums are definitely on the high end of the spectrum. Although the coverage is quite comprehensive, similar coverages are available for up to $20 less a month.

Trupanion earns 4.3 out of 5 stars from Trust Pilot. It's extremely important to read any policy you're considering carefully and to pay particular attention to the limits placed around pre-existing conditions.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$59.21
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$32.41
Rate Details: Annual Deductible: $700, Benefit Cap: Annual & Unlimited, Reimbursement Model: 90% of Actual Cost

Enrollment & Waiting Periods

Enrollment - 4.5 / 5

Pets are eligible to enroll from birth to 13.9 years old. Trupanion has a 5-day waiting period for accidents and a 30-day waiting period for illnesses. As opposed to other plans, Trupanion does not have any malady-specific waiting periods for things like dysplasia and cruciate ligaments.
Min Enrollment Age
0 weeks
Max Enrollment Age
14 years
Accident Waiting Period
5 days
Illnesses Waiting Period
30 days
Free Look Period
30 days

Claims & Service

Extras - 4.5 / 5

Trupanion says claims will be fulfilled within 60 days. Although this is twice as long as the period offered by other carriers, you must keep in mind that Trupanion is one of the few pet insurance providers that have the capacity and technology to pay your vet or hospital directly. This is a huge deal because, unlike with many other plans, with Trupanion you can limit out-of-pocket expenses. They also claim to process about 60% of claims in just 24 hours. If you do file your own claims, the company requires you to download the claim form via online portal, then submit it by email, mail, or fax.
Advertised Response Time
7 days
Claim Form
Online Portal

Company Disclaimers

State Farm and the State Farm logo are registered trademarks of State Farm Mutual Automobile Insurance Company. State Farm Mutual Automobile Insurance Company, its subsidiaries and affiliates, neither offer nor are financially responsible for pet insurance products. State Farm is a separate entity and is not affiliated with Trupanion or American Pet Insurance. Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in the United States by American Pet Insurance Company or ZPIC Insurance Company, 6100 4th Ave S, Seattle, WA 98108. Sold and administered by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Coverage is subject to policy terms and conditions, waiting periods, does not include coverage for pre-existing conditions.

Contact & Additional Information

Homepage URL
http://trupanion.com/
Headquarters Address
6100 4th Avenue, Seattle, WA, 98108
Mailing Address
6100 4th Avenue, Seattle, WA, 98108
Year Founded
2000
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Customer Comments

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DAVID W

12/11/2018
I have had Trupanion since my GSD's were 8 weeks old. My female GSD came down with cancer and Trupanion has currently paid over $19,040 with absolutely no problem! The operation was $3,600, I had to pay 10%, the SRT radiation was $6,000, my cost $600, the Blood tests,X-rays, CAT Scans, and5 CHEMO treatments were over $9,000, my cost $900. My specialized vet has "TRUPAY", so Trupanion pay them 90% directly saving me the trouble of paying the vet and then getting reimbursed. They even cover 50% of specialized prescription food. Trupanion has be nothing less than perfect. Like all insurance, you just need to sign up before you have documented issues. I will always have Trupanion... Read More
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Cathie M

9/24/2017
They cover your dogs medication and emergency care I never problem with a claim very efficient and helpful
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Willi R

1/18/2017
Trupanion has been the best. They pay claims quickly. I have been so satisfied that I recommend them to everyone. Thank you for peace of mind. The only thing they do not cover is teeth cleaning which I wish they did. But my cat's radiation treatment and diabetes has been covered. I have had insurance for 10 years and been very satisfied.
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Shawn D

1/14/2017
Great customer service and true to their word about coverage. I am glad I am a Trupanion customer, and will be one for life!
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Kathy D

1/11/2017
Our French Bulldog has allergies now, joy! Lol we have summited his claims and so far they have been quick to respond and they give us a break down on the total cost that goes towards his deductible. Very quick and easy! Thank you!
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Co

1/11/2017
Trupanion provides excellent service and their representatives are all like family members. I'm so thankful to have found them for my little Bichon Darlin.
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Jill s

1/10/2017
Claims were easy and fast. Enough stress dealing with my dog's medical issues, so nice that the financial aspects are so much less of a worry because of Trupanion. Highly recomend.
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Eleanor M

1/8/2017
The best so far, staff are very friendly and accommodating, right after the hospital submitted the vet expenses they processed the bill right away. It took me time to decide which insurance i should use and this one was highly recommended by the vet hospital and i am glad I insured my puppy with Trupanion
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Fran

1/8/2017
We had a Siberian husky that tore 2 ACL on the same day One was a complete tear and other was partial. As a result she needed 2 surgeries. Cost was more than $10,000 and trupanion covered 90% of the total including medication. We got our money back in a week. I had only had the insurance for almost 3 months. My wife and I agreed this was the best purchase made since the expenses was the amount of a decent used car. Since then we have another husky and she has insurance and just adopted a rescued husky pup at 9 weeks of age and she will get it as well. We encourage everyone to consider this insurance for those 4 legged members of the family
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Woudy S

1/8/2017
I am glad we opted for medical insurance for our puppy. She ended up with a yeast infection in her ear. Due to certain circumstances she needed to be medicated under anesthesia. True Companion gave us great service. All transactions are done through my vet same day. Pertinent information is given to me at time of appointment. In addition, I receive an email same day with all billing information. I enjoy the promtness of this service. Glad we opted for insurance coverage.
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