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Trupanion Pet Insurance Review

315 Customer Comments & Reviews - see all comments
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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.

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
Headquarters Address
6100 4th Avenue, Seattle, WA, 98108
Mailing Address
6100 4th Avenue, Seattle, WA, 98108
Year Founded
2000

What We’re Hearing From Our Readers
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Customer Comments

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Bob

12/11/2016
We were hoping we never needed it, but then it happened. Walle, our almost two year-old 5lb Yorkie apparently swallowed a treat whole. Can you say obstruction? Sunday night we showed up to the ER with a very sick little boy. They rushed him out back and started IV's, took x-rays and an ultrasound. It was now 2 AM and the vetiranarian said they had to call in a surgeon for emergency surgery, and we were looking at between $6100k-$7000k in total. There wasn't a question as to whether we would say yes or no, but knowing we had Trupanion certainly eased our worries on paying the bill. Our concern was now solely on seeing our Walle made it through the surgery as he was very unstable and... Read More
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Tav J

12/11/2016
Trupanion is worth it! I've never had pet health insurance before Trupanion, and always thought of insurance companies as legalized extortion, but Trupanion has their rules for payout which are simple, and they stick to it. My french bulldog has had 2 stomach surgeries, and they paid for 90% of both after the deductible. They saved us THOUSANDS of dollars - no an exaggeration - and more importantly, helped save Bruno's life - twice. Trupanion has a client for life with me.
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E
Eugene L

12/10/2016
First off, I must say how pleased I was when I called Trupanion to request a claim form for my dog Colin's cataract surgery, as well as to ask some basic questions about their claims process. The individual was so helpful and reassuring that he made my day! The claim paperwork was handled much more quickly than I ever imagined. The day of the surgery, I paid for the procedure in full submitting the paid invoice to Trupanion the next business day by fax, as instructed. Within eight business days, I received a letter stating exactly how much the reimbursement would be to satisfy the claim and the following week I received a check for that amount. The surgery was performed on November 17,... Read More
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D
Donna J

12/10/2016
You were fast, kept me notified that you were working on the several claims I submitted. Received an email that you had questions, I called and the person handling the claims actually answered the phone directly. She said I would know in a couple days and that is what happened. They covered what was allowable, used some toward deductible and promptly got a check to me in less than a week. Very efficient and did what they said. Very pleased with the whole experience! Donna
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Marina S

12/10/2016
We love Trupanion and always recommend it to others. We've had the unfortunate misfortunes with allergies & knee injuries and Trupanion has helped us through it. Every time we've called, every representative that we've spoke with has been extremely helpful and genuinely concerned for our pets. The claim experience has always been very simple and we can't thank them enough. We highly recommend Trupanion!
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I
Igal f

12/10/2016
Trupanion should set an example to all medical insurances, human and pets alike. They deliver precisely what they promise and make submission of claims easy and painless. They process the claims with uncanny efficiency!
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B
Beverly m

12/9/2016
No waiting at all; everyone very friendly and helpful; would recommend to everyone
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K
Ke

12/9/2016
The entire claim process was handled with professionalism rarely seen in today's environment. From the first conversation I had with Trupanion, to the last telling me the claim was paid, the Representatives fully explained the process and guided me through to the end. I found the Representatives knowledgeable. As an added benefit, dogs barked in the background during my conversations with them. Being sceronaded by barks in the background gave me a sense of shared love and concern for animals. In this case, my dog, Daisy. Clearly, Truepanion makes Customer Service and employee satisfaction a priority. I'm so happy I decided on Truepanion.
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L
Lee A

12/9/2016
This is the first time we have ever had pet insurance, our experience with Trupanion has been outstanding. I wish all of my insurance companies (personal, health, car, & home) over the years had acted so professionally. The claims we have submitted to Trupanion, are paid extremely quickly. I have tracked the claim reimbursement, it has usually been 5 to 7 business days to get reimbursed. With most insurance companies you are looking at 5 to 7 weeks, or longer. We are extremely happy with Trupanion, and have recommended them to other pet owners.
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K
Kim

12/9/2016
It had been a very good experience for our family. The turn around time is reasonable. Kim
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