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Trupanion Review

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Reviews 4,275

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BestMoney Staff
Bestmoney Staff
Sep. 29, 20224 min read

Trupanion summary

Trupanion pets live longer, happier lives.* Trupanion is the only provider that can pay their portion of your bills directly to your veterinarian with their unique software, so you don’t have wait for reimbursement. With the most flexible pricing options and unlimited payouts on all new injuries and illnesses, Trupanion is here to help you keep your pet healthy.

Pros

  • Unlimited lifetime payouts
  • Direct claims payment to veterinarians available
  • Most claims processed within days, many within minutes
  • Coverage available in United States, PR, Canada, and Australia

Cons

  • Does not offer wellness coverage
Trupanionat a glance
4.0

Editorial score

Online experience

Excellent site with mobile optimization, learning resources and live chat

4.0

Customizable rates and services

Non customizable reimbursement

3.0

Claims payout waiting period

Same day

5.0

Customer support

24/7 communication and a pet hotline available

5.0

Bundles

Multiple bundles available

3.0

Trupanion Trupanion Visit Site

Highlights

  • Unlimited payouts - no caps ever
  • 90% reimbursement rate
  • Can pay your veterinarian directly at time of checkout within seconds
  • Deductibles starting at $0
  • No penalties for filing claims
  • 24/7/365 customer service and preapprovals
  • No additional waiting periods for hip dysplasia and cruciate ligaments

What Trupanion Covers 

Coverage includes diagnosis, surgery, hospitalization and medication for virtually any accident or illness, as long as it isn’t pre-existing. This includes congenital conditions and even non-routine dental coverage. The policy is unique in that it also covers prosthetic devices and carts.

Where Trupanion shines is in the value you get for your pet’s lifetime coverage and the flexibility that the policy offers. Because the policy is month to month, you can adjust coverage without having to wait until your annual renewal or worrying about issues becoming pre-existing. Plus, Trupanion prides itself on offering extremely high value to pet owners. That’s why they always offer 90% coverage and unlimited payouts on eligible conditions. If you’re looking for a premium policy for your best friend, look into a Trupanion policy.

What Trupanion coversWhat Trupanion doesn't cover
Eligible accidents and illnessesPre-existing conditions
Hereditary, congenital, chronic, and bilateral conditions Wellness protection and exam fees
Diagnostic tests, surgeries, medications, medically necessary hospital staysElective or cosmetic procedures
Prescription food and supplementsSales tax (where applicable)
Emergency dental

Limits and Deductibles 

Trupanion has a wide range of deductibles to choose from, including the option not to have a deductible at all. This means a pet owner can choose from hundreds of price options to pick what works for their budget.

Trupanion’s deductibles are per condition instead of per year. The advantage with a per condition lifetime deductible is that if an incident is chronic and continues for more than a year, you’ll only have to pay the deductible for that issue once. Payouts are 90% of actual veterinarian costs, after the deductible as long as they are eligible. There are no per-incident or lifetime caps.

Trupanion has unlimited payout limits for all eligible conditions.  Also, unlike many of its competitors, Trupanion has is no waiting period and no age restrictions for pets with hip dysplasia.

Price

The cost of a Trupanion policy depends on your pet’s age, breed, species, gender and zip code.

The cost of insuring a 2-year-old mixed breed cat with a $300 deductible with a Chicago zip code of 60607 is $34.67. In some states, there is an enrollment fee.  Trupanion can be on the more expensive side, though their coverage is extremely comprehensive, which can make it well worth the additional cost.

Optional Coverage

Recovery & Complementary Care RiderPet Owner Assistance PackageBreeding Rider
Rehab therapy3rd party property damageQueening
AcupunctureAdvertising and reward for a lost petWhelping
HydrotherapyBoarding feesOther accidents and illnesses associated with breeding
Chiropractic careHoliday vacation cancellation fees
Behavior modification/therapyBurial fees

Age Limits 

You can enroll your pet from birth for true lifelong coverage. All pets are eligible to enroll until their 14th birthday.

Conclusion

Trupanion offers a straightforward plan that covers 90% of all eligible costs incurred due to any accident or illness, but like all pet insurance companies, they don’t cover pre-existing conditions. Their superior customer service is available 24 hours a day, 7 days a week including holidays. And their ability to pay veterinarians directly is an industry first and allows customers to only pay their portion of the bill, instead of having to pay for the entire invoice and wait for reimbursement. Trupanion now covers over 750,000 pets across the US, Canada, and Puerto Rico and has paid out nearly $2 billion in claims, proving it to be one of the most popular choices on the market.


*Based 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. Policy options and details vary by state, please review your state’s specific coverage. Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Please visit AmericanPetInsurance.com to review all available pet health insurance products

Terms and conditions apply, please see Trupanion.com for full coverage details. Policy options and details vary by state, please review your state’s specific coverage. Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Please visit AmericanPetInsurance.com to review all available pet health insurance products.

Trupanion Trupanion Visit Site

BestMoney Staff
Written byBestmoney Staff

Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.

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  • author
    Paula Tavares
    12 hours ago
    Absolutely amazing experience thus far with trupanion

    I I recently traveled to see the specialist internal medicine for my little baby whom in which did not take true Canyon direct pay so I was out of pocket thankfully trupanion came through quickly with the reimbursement straight to my bank account no questions asked I don't know what I'd do without true pinion thank you for saving my baby's life

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  • author
    Jesse
    Jan 01, 1970
    It is really a waste of money

    It is really a waste of money. Deductibles are per incident or visit. I have had 3 dogs on it for years paying 170 something per month. It would of been better just to save that money in a pup account. Also premiums get increased often and keeps going up. Somethings are covered and some are not. Just confusing and feels like a rip off. I am sure it has been good for some people, like if your dog is young and comes up with a chronic sickness but I think most people can do without this. Wish I cancelled years ago.

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  • author
    Linda
    Jan 01, 1970
    Trupanion’s Good Service

    The website locked so called Trupanion and they emailed me the form I needed. The representative answered the phone immediately and emailed me the information I needed Thanks for the follow up after I sent the information to Trupanion Good service is hard to find but it seems Trupanion have found the answer

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  • author
    JOANNE OLSON
    a day ago
    Trupanion is terrific

    Trupanion is terrific. I changed carriers a number of years ago and they have not disappointed. They are through and claim processing is spot on and onTime. I highly recommend them.

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  • author
    Dale MacDougall
    a day ago
    Puppy Help!I am completely satisfied with my first…

    I am completely satisfied with my first experience and claim with Trupanion. It was quick, efficient and easy to access guidance on our needs and assistance on how to proceed with their support.

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  • author
    Kelly
    Jan 01, 1970
    I only had to use my insurance one time

    I only had to use my insurance one time, my dog was viciously attacked by another dog I went to emergency room they paid there part no questions asked I paid my part and off we went🤷‍♀️I call that excellent experience:)))

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  • author
    Jamie Bardol
    3 days ago
    Trupanion is a must have

    Trupanion is a must have. I had a dog that has had health issues for the last 12 years and having Trupanion has saved me over 50k and literally saved my dogs life. They are amazing and reimburse you very quickly! I will never have a dog without Trupanion again!

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  • author
    Thomas McMurdo
    Jan 01, 1970
    TRUPANION has DENIED every claim

    TRUPANION has DENIED every claim. They find some excuse so they don't have to pay out. They cover NOTHING NOT WORTH IT... OH DID I MENTION THE RATE INCREASE AFTER DENYING MY CLAIM

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  • author
    Pat Batton
    Sep 25, 2022
    Trupanion cares

    Trupanion cares. Easy to use website. Friendly, helpful & informative phone staff. They kept me informed every step of the way. Super-fast claim service.

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  • author
    Cynthia Anne Lenartowski
    Sep 24, 2022
    Trupanion helped me save my pets life

    Trupanion helped me save my pets life. They are very easy to understand, and clear-cut on what they do and do not cover. After meeting my deductible‘s, I only have to pay 10% for the lifetime of my pets specific illness. They even cover food to appoint and they cover medication. Customer service is quick and easy and the answer your question clearly in right away. The app is amazing, you can do most everything yourself. If you pick a vet that has their software, you know in 10 minutes exactly what you owe and you only have to pay what you owe, not wait for a refund. That is my favorite part of Trupanion .

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  • author
    MICHELLE REAM
    Sep 23, 2022
    I have been using Trupanion 11+years…

    I have been using Trupanion 11+years always great customer service, pay quickly and are there to discuss anything I may ask. Even suggested things to help

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  • author
    Sabrina Poy
    Sep 23, 2022
    Trupanion staff is very professional

    Trupanion staff is very professional, patient, efficient and understanding.

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  • author
    Lucy
    Sep 23, 2022
    Great pet health insurance

    My dogs are 11 and 14 years old. I have had Trupanion insurance for probably 9 of those years. I am very happy with the customer service and the coverage that I had receive. So happy to have found Trupanion. They were highly recommended by my vet.

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  • author
    GFortinsky
    Sep 22, 2022
    Best decision I ever made for my dogs!

    A friend recommended pet insurance before we got our puppies, he said his dog’s chemo almost wiped him out. We took his advice, although at the time it seemed pricey, it was for peace of mind. That was eight years ago and since then one of my dogs needed expensive cataract surgery. Trupanion never once resisted reimbursing fully, they always responded to submissions promptly with a “thank you for letting us take care of Coco.” Their customer service is excellent, the reps are intelligent, knowledgeable and eager to assist. I wish my own insurance carrier were as easy to deal with!

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  • author
    Jackie Kuehl
    Sep 22, 2022
    Excellent Experiences over 17 Years

    I have been with Trupanion for 17 years and have always had excellent service. I recently acquired a puppy and did not hesitate to contact Trupanion for my pet insurance needs. The rep was knowledgeable, courteous and professional and I added my pup to my policy quickly and easily. The excellence continues.

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  • author
    customer
    Sep 20, 2022
    Superb Service

    Tyler, representative was so thoughtful, caring, and professional.

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  • author
    Graham Ellis
    Sep 20, 2022
    Typical insurance company

    Update: The day I posted here trupanion contacted my family and overturned the previous denial. The right people at the company saw the post and helped me out. Frustrating but in the end I think they did the right thing. My dog occasionally ate his and his sister's poop when he was a baby. We investigated it as a cause for his diarrhea. It was not an emergency. 7 months later he obtained a piece of corn and ate the cob. As any dog probably would. He needed surgery to get it out. Trupanion said that because he ate foreign objects (his poo) twice before coverage, they wouldn't cover the surgery. I disputed in writing and over the phone. They say because he has a habit of eating foreign objects, it's not covered. Trupanion is a typical insurance company. Likely better off putting money aside in a savings account. I have been a customer of trupanion for 10 years with multiple dogs. Their response below to my appeal. Claim: 8905831 We have completed the secondary review of Charlie’s claim, with an assessment of the medical records and the clarification provided by Dr. XXXX from XXXX Veterinary Hospital. Charlie’s records document he, “eats his & other dogs poo that is in the yard,” (12/13/2021) and, “gets into his poop sometime,” (1/13/2022). Per Trupanion policy we do not cover ingestion of foreign material if, “the same or similar activity occurred more than once before your enrollment.” (9.B.VI). Unfortunately, as Charlie is documented to have more than one episode of foreign material ingestion (feces) prior to enrollment, we remain unable to provide coverage for his recent corn cob ingestion

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  • author
    Joshua Nazareth
    Sep 20, 2022
    Denies every claim

    Have not had a single claim paid out by them ever. During a general checkup my vet noticed a ear infection and apparently ear infections or the treatment is not covered by the insurance plan.

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  • author
    Carlo
    Sep 20, 2022
    Always an excellent service!

    Always an excellent service!

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  • author
    Stacie Camponi
    Sep 19, 2022
    Misleading and horrible costumer service

    The policies have no reflection on "actual cost of care" prices. They will increase your rate at 100% because you move. I paid 165 and they tried to increase my rates to 365 stating cost treatment was higher where I moved which is just false. I offered to get 3 quoted from each city I lived and Karissa the manager just yelled at me. Your better off putting that money into savings.

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  • author
    Phil Metzger
    Sep 19, 2022
    Continued to be easy to work with

    I contacted customer service via chat to discuss the upcoming surgery for my dog, who tore his cruciate ligament. They confirmed that I have nothing to do, can file claims against it and be covered at 90% after my deductible, for the lifetime of our policy. I mean, it's all there in the policy, and I knew that. But I still had to double check. Working with Trupanion is so easy every time, and I can't say that much else in this world. Thanks!

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  • author
    Scott Temby
    Sep 18, 2022
    Trupanion literally saved her life

    A few weeks ago, I posted a picture of my dog, Samantha for National Dog Day. Since that post, she started experiencing some serious gastrointestinal issues. All the testing we did was mostly inconclusive but was pointing in the direction of pancreatitis. We had an ultrasound scheduled for this coming Monday but after a few days of having a significantly reduced appetite, the vet recommended taking her to the pet ER for an immediate scan. The scan revealed that she had an indeterminant number of lesions. The report from the radiologist and the ER vet was that due to the placement of them (spleen and liver), it was likely an overwhelming situation. Because they appeared to be hemangiosarcoma’s and filled with blood, they were prone to rupture, and she would bleed out and die in the next 1-10 days. I went in thinking that she had a possible intestinal blockage, and the first conversation I had was about euthanasia. I left the building in tears, mulling over whether I should let nature take its course, or take some action to prevent her suffering. This is literally one of the most gut-wrenching decisions anyone will ever have to make. Do you schedule the death of this creature, that has been...for me, anyway…literally the most important thing in my life, or do you run the risk of her suffering with unnecessary pain. My last meeting was with the oncologist. It was something that they literally squeezed me in for because of how noticeably upset, I was. She looked at the scans and bloodwork and presented a very different picture. If we did surgery and removed her spleen, we could then biopsy her liver, and it would also eliminate the risk of immediate death because the potential of a massive bleed from the very vascular cells of the spleen would be removed. The prognosis would either be 6-9 months if the lesions on the liver were benign, or 1-3 months if they were malignant. By her account, there was literally a 50/50 chance of either. I sat speechless for a moment. Fifteen minutes earlier I had all but written her off and was expecting that she would not survive the car ride home. I babbled some probably unintelligible questions, and she stepped out of the room to check the surgical schedule. Words cannot describe how overwhelmed I was at that moment. If I did nothing, she would die. Probably very soon. If I opted for surgery, I was potentially putting her through a very painful procedure that she also may not survive. These 10 minutes or so that she was gone lasted years. I have had this dog since she was a puppy. I have gone through legal battles to regain and keep her. I have nursed her back from broken bones. I took a job because it would allow me to work from home and I would not have to leave her during the day. I even bought a house solely because of the backyard. This dog has been my reason for everything for as long as I can remember. But in those ten minutes, everything suddenly became clear. I had to try the surgery. If I did nothing, I would never forgive myself. The risks no longer mattered. I needed to do everything I could to save this dog’s life. I was not immovably convinced, but I was sure enough that I left there with surgery scheduled. That was yesterday. Today, she woke me up at about 6:30am. She nosed my face and snorted a bit which meant she wanted to go outside and pee. I got up and went outside with her. This morning, unlike over the last few weeks, she darted outside, barked at a squirrel, then ran over to pee under a tree. She then beckoned me to come outside with her, where I sat in my bathrobe, and she lay next to me. She alternated between staring at me and looking to where the squirrel had been, as if asking if we were going to allow this trespass to stand. I had already been leaning toward the surgery, but that moment cinched it for me. This dog, this steadfast companion who has taught me more about being a human than any person ever has, was not giving up. This was not a dog with no fight left. This was not a dog that was ready to die. The surgery wrapped up at about 2:30pm EST. She came through the anesthesia without a hitch. When the surgeon called me, she had her head up and was looking around. This dog, this f****** hero among men was still in the game and fighting for every scrap of life she has left. We won’t know the results of the biopsy for about 5 days whether she has a month or nine left. But this much we do know: she will likely not die tonight nor tomorrow. By all accounts I will pick her up, and we will spend whatever time we have left celebrating that fact, and that neither of us were willing to give up that easily. None of this would have been possible without Trupanion.

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  • author
    Richard Parcher
    Sep 18, 2022
    Disappointment

    I’ve been with Trupanion for four years for my dog Sadie. In that four years I had one claim with Sadie and it was taken care of quickly. I recently acquired insurance for my new puppy Eli. Almost immediately after the insurance kicked in I needed to use it and was extremely frustrated and disappointed with Trupanion. After sending the necessary vet records repeatedly they continued to say they did not receive them and only after the vets finance person called them and ripped them a new a**h**e two months later, did they finally pay the simple little claim! Very unhappy and very dissatisfied with Trupanion right now, after this I would not recommend them to anybody!

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  • author
    Carrie Bellus
    Sep 17, 2022
    I will ALWAYS have my pet insured and I…

    I will ALWAYS have my pet insured and I will ALWAYS use Trupanion! They are quite literally making it possible for my dog's life to be saved. And making every step of the way possible. I am so grateful for this company.

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  • author
    Lisa T
    Sep 17, 2022
    I am beyond impressed and appreciative

    I am beyond impressed and appreciative of how Trupanion consistently meets my, and my pets, needs. Trupanion always responds quickly to any questions I may have and processes claims within a couple of days. Thanks for your professionalism and outstanding customer service.

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  • author
    Kathleen Smith
    Sep 17, 2022
    Trupanion is there for us when we need…

    Trupanion is there for us when we need them. Excellent customer service and fast claim processing.

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  • author
    Melanie Tipan
    Sep 17, 2022
    We are so grateful for Trupanion

    We are so grateful for Trupanion! They have been so helpful and quick to respond. Every time I call they have been so friendly. I am so glad we decided to get coverage with Trupanion for our little guy Joey :)!

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  • author
    Randy Cox
    Sep 17, 2022
    Customer service department great always very helpful

    Customer service department always very helpful and nice

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  • author
    Mary Terry
    Sep 17, 2022
    Very happy with this service

    Very happy with this service. My dog was in the emergency room. The company has a quick response team and pre approval service. Very friendly folks on the phone.

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  • author
    E Martin
    Sep 16, 2022
    If they made insurance for humans I’d buy it!

    I’ve had 5 pets on trupanion over the past decade and have been pretty pleased. With insurance you will get what you pay for And truPanion can add up esp for older dogs but it’s more than paid for itself. They approve claims fast and customer service is great when needed.

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  • author
    T. Lucente
    Sep 15, 2022
    Love love love… thank god for Trupanion

    Love love love… thank god for Trupanion

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  • author
    Chris Williams
    Sep 14, 2022
    Trupanion covered over 10k of our baby…

    Trupanion covered over 10k of our baby girls 2 TPLO surgeries. This experience was fast and hassle free both times we sent claims. If you need insurance for a fur baby look no further than Truepanion.

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  • author
    KB
    2 days ago
    Trupanion came through 3 times !

    We are very sad losing our beloved companiion - but Trupanion came through 3 times with our 13 year Labrador - two TLPO knee surgeries when she was 6 and 7 years old - then and one end of life chemo and emergency treatment - they made all of our costly medical decisions much easier during trying times - the representatives were always very polite and informative over the many years - if when we ever get another dog we will be sure to insure with them again /

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  • author
    Vicki Francis
    Sep 13, 2022
    Broad dx prevents coverages of distinct issues

    It seems to me that in the area of Pet Insurance , adjusters have an ability to turn every claim into a pre-existing condition. Allergies and eye infections become one and the same and clearly they are not. So many of times I’ll was coat so much to clearly identify the cause that it gets called a broad dx like stomach problems. Owners can not win. We are In the middle of deciding to cancel.

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  • author
    joni conigliaro
    Sep 13, 2022
    Thank you Trupanion

    I cannot thank Trupanion enough for the amazing insurance company that you are. I feel this is the BEST of the best insurance even though this is my first and will be only experience with any company. I am lucky to say I got Trupanion 90% payout in the state of FL. I wasn't concern about my payment it was the easy access of direct pay. I saw this because nothing comes easier and less worry about going to the vets office when everything is costly and can be unexpected (depending on your breed of choice). In my case I debated for several months to get insurance with Trupanion and I did look at others, but I kept going back to Trupanion and honesty it was a gut feeling. I needed the best for my Bernese mountain dog and if you know this breed you know why. This is so important because if this could help someone else who is hesitant please just get this insurance on your baby. Trupanion is one of the top insurances advertise in vet offices I say this because I did not know this. This is when it became life changing I mean as I type this all happened yesterday. My boy was needed X-rays I got them done of course and they found something. It was the worse news possible, but there is still hope. My baby needs to go to a neurologist in north Florida for a MRI (they are costly) and he may need neck surgery depending on his results of his MRI. From the grace of the heavens the fear of asking do you take insurance and I do have Trupanion. They say yes and I start crying. My Bernese life depends on this life saving surgery if those MRI results come back with the dreadful outcome of Wobblers syndrome. We do have a long journey ahead of us, but all I can say is thank you Trupanion for being there when you are needed the most.

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  • author
    Karen
    Sep 13, 2022
    ‘Tru’ Believer!!

    I currently have two fur babies covered by Trupanian. My pups are very healthy, but we’ve had a couple of issues and Trupanian responded quickly. I was amazed how fast they covered the claims. The customer service is friendly and professional.

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  • author
    Nathan Elmer
    Sep 14, 2022
    This is a complete scam

    This is a complete scam. My dog had a UTI as a puppy, and they are denying covering a UTI now (over 2 years later) claiming it is a preexisting condition. It is the stupidest thing I have ever heard. Avoid this scam Edit-don’t get fooled by their response below. They did review on the phone with us and tried to tell us that science was wrong and our vet was wrong. It is unconscionable how this company tries to convince you that their scam is legit.

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  • author
    Rich Okinow
    Sep 13, 2022
    Always easy to deal with

    Always easy to deal with, never an issue with claims being paid according to my policy. If I ever need to speak to a representative, they are always helpful and you can tell the genuinely care about you and your pet. Can’t recommend Trupanion highly enough.

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  • author
    Rhonda Tucker
    Sep 13, 2022
    Trupanion Cares!

    Our Lucie began having seizures due to a Glioma. Without Trupanion, we could not have afforded to diagnose and treat our baby. We are thankful that Trupanion has been there for us! Their representatives are caring and have been so helpful to us during this difficult time.

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  • author
    Kathleen Alexandra
    Sep 13, 2022
    Trupanion customer service always goes…

    Trupanion customer service always goes above and beyond to ensure customers feel appreciated and cared about. When my pet had a heart issue the bill was $10K which was anxiety provoking, but a refund of the covered portion of the bill was provided within 2-5 business days. Excellent service!

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  • author
    Rosa
    Sep 12, 2022
    Thank God for Trupanion!

    My newly acquired puppy was diagnosed with Parvo. I called Trupanion and talked to Holly who was very sympathetic and kind. Thankfully I had the Trupanion pet insurance and the two pet hospitals that I dealt with were able to put the claims through with no problem. One claim was for about $1400. The second claim will be between $4000 & $5200. Thank God for Trupanion.

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  • author
    Patti Altridge
    Sep 10, 2022
    People ask me if pet insurance is worth…

    People ask me if pet insurance is worth it. Let me show the proof. The past 2 weeks have been brutal for my cats. Four in ER for extended stays and tests and treatments. I have just done the math. Without Trupanion and their pay up front program, I would be out $18109.11 which I am not sure how I could have afforded that and perhaps my cats would not have survived. Trupanion paid up front $12, 855.08. I ended up with $5224.03. Still a lot but more manageable than over $18 thousand. Thank you Trupanion Insurance! My cats and I love you!

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  • author
    Gail
    Sep 09, 2022
    I recommend Trupanion to everyone!

    I don't know what I would do if I didn't have Trupanion. Surgery is so expensive, especially for a giant breed dog. They are helping me save my pups leg. I'm so grateful to have them on my side! Now I can concentrate on my pup and less on the financial strain.

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  • author
    Adam
    Sep 08, 2022
    Read the NEGATIVE reviews before you purchase coverage!

    Read the negative reviews before you purchase coverage. It is very clear that Trupanion is very arbitrary deciding what they will and will not cover. Most people get pet insurance AFTER a vet visit and the outrageous bills that follow---Trupanion WILL NOT COVER any pre-existing condition. I verified this by reading reviews AND calling them and speaking to a rep. There are plenty of other insurers out there who are fair about their coverage. Do your research and decide accordingly.

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  • author
    Christine McCarty Miller
    Sep 08, 2022
    This is the only company I have ever…

    This is the only company I have ever worked with in any kind of industry that does exactly as it advertise. I have never been questioned about a claim. So easy to use. Trupanion has been an absolute pleasure to work with and I recommend to everyone that will listen!!!

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  • author
    Marina Stewart
    Sep 08, 2022
    Trupanion has your back!!!

    Trupanion has your back. They are so good to you and care about your pet. I have been with them since 2011 and both my dogs and I say thank you for all you do. They are there for you when you really need them to be. Great company great support.

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  • author
    Carrie Martin
    Sep 07, 2022
    Trupanion provides peace of mind

    I have never had pet insurance in the past. Getting a new puppy this year I received some information from my veterinarian about Trupanion and decided to give it a shot. I am so incredibly thankful I did. Unfortunately our new puppy has had several unexpected health issues with expensive vet bills. I was worried that submitting a claim would be a difficult process but I was wrong. Trupanion makes it so easy to upload the invoice and submit a claim. I am so thankful to have the peace of mind that I can take care of my puppies health issues with Trupanion's support. This is a great company and I highly recommend getting pet insurance for your pets. It is a wise investment that is there when you need it.

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  • author
    Lee Furlong
    Sep 07, 2022
    Peace of mind is invaluable

    When my 3 year old mini dachshund, Camo, suddenly had bloody diarrhea I rushed him to the closet 24 hour emergency vet. When I got there, I pulled up my Trupanion policy on the app. The receptionist said "smart mom" Camo was hospitalized for 2 days. Had countless tests. He was treated for canine HGE. Having Trupanion took away the anxiety of trying to come up with the roughly $4000. Trupanion communicated with me every step of the way. They reviewed the estimate and approved Camo's treatment within minutes. MINUTES! What a relief!! I have had Trupanion since the day my fur children came to us 3 years ago. It is worth every cent. The peace of mind is invaluable! I can not imagine having a pet without Trupanion.

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  • author
    ShellyF
    Sep 07, 2022
    Trupanion has been very good at paying…

    Trupanion has been very good at paying claims and customer service has been very helpful. I did not think lightening would strike twice with having a dog with health issues, but it did. Last dog, I did not have insurance and had a lot of expenses. This time I got insurance with the new puppy. I’m so glad I did because within her first year, problems arose. The last thing you need when you are concerned and worried over your pet, is financial concerns too. I have peace of mind now. I would rather have no need for insurance, because that would mean no health problems with my dog, but that is not the case. It helps me be able to provide her with the best care and give her her best life possible.

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  • author
    Angie Coniglio
    Sep 06, 2022
    Great pet insurance Company

    Great pet insurance Company! I have been with them for 12 years. They pay right away! No question asked! Love Them!

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  • author
    Thais
    Sep 05, 2022
    Every Pet Deserves a Trupanion

    I LOVE Trupanion and always recommend. Thats truly ur pet's best friend. You spend more at a couple of MacDonald's trips and this is a life saver. I've used them for 4 dogs had plenty of dog health issues and not once they let me down. Always amuses me how friendly and efficient they are. If you are skeptical and looking for pet insurance go with Trupanion. They really are a honest, amazing company with 24/7 friendly customer service.

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  • author
    Ms
    Sep 05, 2022
    I’m glad my four legged baby is a…

    I’m glad my four legged baby is a member of Trupanion. They are the best insurance out there!!! Claims are processed quickly.. and I’m glad i made the decision to be with them!!!

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  • author
    kevin so
    Sep 05, 2022
    i would say that with trupanion

    i would say that with trupanion, it made my mind at ease especially with the cost of medical treatment for my dog. i highly recommend trupanion!.

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  • author
    Cary Hargrove Constant
    Sep 04, 2022
    Trupanion is fantastic

    Trupanion is fantastic. They pay fast and I love the illness deductible vs annual. One of few companies that covers congenital illness! Im an insurance agent and I highly recommend Trupanion

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  • author
    Deirdre Somers
    Sep 04, 2022
    Trupanion has saved two of our dogs

    Trupanion has saved two of our dogs. They are reliable and work with our vet. They pay in a timely manner. I highly recommend them. Don't miss the opportunity to save your pets of something happens.

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  • author
    Jackie
    4 days ago
    TRUPANION WILL PUNISH YOU AND CAN LEGALLY GET AWAY WITH IT BEWARE

    Trupanion canceled my insurance because apparently, I committed FRAUD--BUT--they won't give me copies of the FRAUD REPORTS THAT have been filed. PLEASE tell me what police department and state agency I was reported to (for FRAUD) --so that I can get a copy of the report. BEWARE EVERYONE: If you complain or send emails YOU WILL GET CANCELED! They can CANCEL YOU AT ANY TIME. Here is the email: Hello, This email serves as notice that your Trupanion policy will be canceled immediately due to suspected fraud. All refer-a-friend dollars claimed or requested will also be denied. In addition to continuing to report this fraudulent activity to the Department of Insurance, we are now filing a police report regarding your continued fraud and harassment. SENIOR COMPLIANCE MANAGER, Trupanion

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  • author
    Laura Canup
    Sep 03, 2022
    They Need To Be More Transparent With Their Policies

    The sales pitch when you get Trupanion is that you can select your deductible and make changes to it and they cover a great amount of your claim. In reality, after 30 days, you are out of luck and can’t make your deductible lower, only higher. They do cover a lot of your claim, but there are ALWAYS meds or fees they don’t cover. So my recent emergency visits of $1300 still cost me almost $500 out the door ($200 deductible, they don’t cover office visit even for emergencies $72, etc). I’d look for a different company if I wasn’t already with them. There has to be a company out there with more clear and accurate pricing details and more transparent up front of what a true claim looks like. I should have done more research to see if this is the best that it gets or if there is a more transparent company.

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  • author
    Kristen
    Sep 03, 2022
    Trupanion = Peace of Mind

    My experiences with Trupanion have been nothing but positive. Claims are processed immediately and payment is made just as quickly - even rewards for referrals! Knowing Trupanion is there for my four-legged family members and me gives me peace of mind that they will be able to receive the medical care they need.

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  • author
    Bobby
    Sep 02, 2022
    Toke Oscar to emergency clinic

    Toke Oscar to emergency clinic Twice and both times we were covered except our deductible. And had no problem getting what they covered Back immediately. Now we know you Give the vet your insurance and the difference is paid directly to them at the time of visit. Wonderful Company

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  • author
    Lori N.
    Sep 01, 2022
    Very impressed!

    My dog had emergency abdominal surgery with loads of lab’s, X-rays, hospitalization, etc. Very impressed with the speed of processing my claims and how quickly the payment was deposited into my checking account. Customer service is outstanding. Well worth the very reasonable monthly premiums.

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  • author
    Orlando Loui Cojolon
    Sep 01, 2022
    Amazing customer service

    Amazing customer service. Crystal, she helped me with all the info I was needing and for a moment I felt that she owned my little one. She was concerned, worried, and very professional with my case.

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  • author
    Philip Goodin
    Aug 31, 2022
    Trupanion has been the perfect pet…

    Trupanion has been the perfect pet insurance for my two dogs. Customer Service makes claims and questions very easy to deal with. Coverage is competitive with other pet insurers.

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  • author
    Sky Kawecki
    Aug 31, 2022
    Sign up was so easy

    Sign up was so easy. I'm so happy my vet recommended.

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  • author
    Mary ann Neff
    Aug 31, 2022
    Hereditary in their books doesn’t really mean they were born with it.

    After reading their response: It looks like the same answer they give others when they can’t overcome the problem with their word of hereditary. And they hope my pet is on the mend??? Come on man, she will not mend from this condition unless she has a corrective surgery on both legs. Being born with this is only going to get worse and cause more problems and more pain until she gets them corrected. And to think they will never cover this condition that is hereditary and being born with it! Makes me so sick that they don’t even care. Do not believe the word Hereditary I purchased my tiny yorkie girl in July at 12 weeks old. I researched pet insurance companies and because she’s was going to be so tiny, I wanted her covered. So many small dogs can fall off of things or get stepped on. Also, yorkies are a breed where laxating patellas, liver shunts etc are common. I wasn’t going to chance her not having the best coverage. When I read they covered hereditary conditions, I didn’t hesitate to enroll her at a very young age along with buying her stairs for the furniture and bed. 5 days before her 30 day waiting period was up, she was lifting her back left leg. Being so small, I took her in to get looked at. Vet said she was born with laxating patellas and they will most likely get worse. Now noticing her little legs are collapsing, I took her in last week for her well puppy check...she’s now 16 months, and now they are at a grade 3-4, and again, this other vet who is a surgeon said she has little or no groove for her patella to ride in. She was born with it and It is obviously a hereditary condition. If she doesn’t have surgery, she could possibly put to much pressure on her crucial lig and that will tear. So I sent in a pre-approval and she got turned down because I took her in 5 days prior. “But it’s hereditary I said....she was born with it” “Both vets said she was born with this condition “. They didn’t care. BEWARE..... they do not stand by their word of “hereditary”. That word isn’t the same thing you and I Believe it is. DO NOT BUY pet insurance from them thinking they’ll cover your beloved pet for a hereditary condition. I’m so disappointed in this company, and I want everyone to know how unhappy I am. They will take your money, but will not cover a hereditary condition that you pet was born with BEWARE

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  • author
    Ky Stark In the North
    Aug 31, 2022
    I'm a customer for life.

    They were there for me when I needed them and showed great care and concern during a very difficult time for me. My claim payout was quick as well.

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  • author
    Hilary Ardisi
    Aug 30, 2022
    Customer care is outstanding

    Customer care is outstanding. Claims handling quick, easy & thorough. If your vet or vet hospital is “hooked up” with Trupanion, then your experience is even that much easier & faster.

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  • author
    Bill Snotherly
    Aug 30, 2022
    Warm and Welcoming Insurer

    Trupanion is truly true and friendly as with any other close companion. I highly recommend.

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  • author
    Eve
    Aug 30, 2022
    This insurance is necessary for…

    This insurance is necessary for accidental injury or pain management for elder dogs and is a piece of mind for those who love their pets as they get older and need so much care. I just wish they had well-care for those of us who pay but will likely not use it for 12 or more years!

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  • author
    Michael Malone
    Aug 29, 2022
    I highly recommend Trupanion

    I highly recommend Trupanion. Their employees are very knowledgeable and always friendly. They also have a quick turnaround time for reviewing claims.

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  • author
    Michael Maron
    Aug 29, 2022
    Our experience as a new policy holder.

    We have just signed up for pet insurance with Trupanion and although we have had no claim experience yet, everything about their interaction with us has been transparent and on point. Hopefully we will not need to make any claims, but if we do, I’m sure Trupanion will be there for us and our Cooper.

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  • author
    Sadie Rose
    Aug 28, 2022
    Trupanion has been nothing short of…

    Trupanion has been nothing short of amazing! I am so happy I chose them for my dogs insurance. I have an almost 3 year old German shepherd. I’ve had him covered since he first came home to me at 8 weeks. My last dog passed away tragically from a heart attack (DCM) and I did not have him insured so I wanted to make sure I would be prepared this time in case of any emergency’s. My current dog got diagnosed with elbow dysplasia (un United anconceal process) and trupanion was there for me from the very beginning. They payed out 90% of the surgery costs and payed it directly to the vet. I’m so impressed with how smoothly the experience went… my dog is recovering from surgery and doing well. Having the comfort knowing that trupanion is there, makes owning a dog all the more comforting! I would highly suggest getting your dog insured threw them. Thanks for everything!

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  • author
    Melissa Kinne
    Aug 27, 2022
    Thank you, thank you!

    Dear Trupanion friends, I want to thank you so very much for your outstanding service. You have always been so fast at resolving Abby’s claims and getting our reimbursement back to us. I wish to also thank you for my lower monthly premium for Abby’s coverage. Having her insured is an absolute necessity because Dachshunds seem to have a predisposition for allergies and spine issues. We have ramps all over our home, and she has been taught to never jump off anything. Thank you all again, we appreciate your care more than you will ever know.

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  • author
    Rick Tomljenovic
    Aug 26, 2022
    Amazing service and response.

    Our 16 month old Shih Tzu was not feeling good and started having seizures. We took her to the emergency hospital and they had to run numerous tests and bloodwork to include a neurological exam. Needless to say that these procedures are quite expensive and she needed a three night hospital stay. Trupanion was amazing. From the first phone call we made to them, they calmly explained how the coverage works and how to submit the necessary information to process the claim. Their app made it very simple to upload information. Within a week of her initial visit to the doctor, funds were deposited in our account to cover the cost of the claim less the deductible at our 10% co-pay. We also take great comfort in knowing that her medical condition to be covered for the rest of her life. Truly an amazing experience. And our a little pup is recovering and doing very well.

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  • author
    Robin Greenman
    Aug 26, 2022
    If only Progressive, Geico, Allstate & State Farm were this Easy!

    We cannot rave enough about Trupanion! Whenever we bring our Irish Doodle to the vet for skin, ear, whatever problems—including rock swallowing!—within 10 seconds we get a text saying that they’ve covered the lion’s share. Her daily Apoquel would cost us a fortune. Thanks to Trupanion, we only pay $16 for a 60-day supply. And get this—we originally opted to pay a $50 deductible per month. Last year they LOWERED it to $47/mo. and now they’re lowering it again to $43! What insurance company does that?!

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  • author
    Terri Stephens
    Aug 26, 2022
    I had a cat that needed a lot of VET…

    I had a cat that needed a lot of VET care; Trupanion didn't cover it all however when the insurance finally did it covered over $7800 in VET bills. Even though with four pets the premium is high - it's the cost to help our fur babies when it matters. I would have to save $20K in a "pet fund" minimum to cover major surgery or x-rays and such over the course of their lives. I went with Trupanion for peace of mind.

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  • author
    Alexis Carrazana
    Aug 26, 2022
    The best,lo tengo hace dos años desde q…

    The best,lo tengo hace dos años desde q nació mi perra Sisi y ahora su bb koko

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  • author
    Betsy Tufts
    Aug 25, 2022
    I would give this company a zero if I…

    I would give this company a zero if I could. They don’t raise the rate based on your animals age- they just keep raising the rate- every year so by the time it becomes insane- your dog is to okd to get a good qoute elsewhere. I called and they are professional d of the fact they can stick it to you after they tie your hands behind your back. I have all e mails to back this up

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  • author
    Cheryl
    Aug 25, 2022
    Are they really an insurance company! :-)

    I am so surprised I'm writing this review for Trupanion. My big pup had to have TPLO surgery on BOTH legs. I'm not crazy with the way they apply the deductible, instead of annually it's per condition. BUT, they considered the two surgeries one incident - fabulous! If you have small claims this won't be good for you, but I don't have an issue with paying my small claims which are rare anyway. I really did get pet insurance so I wouldn't have to make that awful decision if I could afford an expensive surgery or expensive treatment for my beloved pet - this one was $12K. The first TPLO claim was a bit complicated (a removal of a growth included with the TPLO surgery) and I had to make an appeal for a small amount they denied - they accepted my appeal and paid the additional cost. I also had to call customer service, no hold and a pleasant and knowledgeable representative was able to answer my questions. I can't say enough good things about Trupanion. Even my surgeon, prior to any claim process, said that her experience has been very positive and they have always been reasonable - she called Trupanion her favorite. Can you ask for anything more?

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  • author
    Dorothea
    Aug 24, 2022
    Trupanion is Knowledgeable and Helpful

    Trupanion answers calls immediately. A pleasant, patient and knowledgeable person is there to answer any questions you may have about your insurance.

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  • author
    Stéphanie Gauthier
    Aug 24, 2022
    Best pet insurance

    Customer service is very helpfull. All my claims are close very quickly. thank you Trupanion

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  • author
    Edward M
    Aug 24, 2022
    Excellent Service

    Great insurance business for your pet's needs. I was being charged a lot of money for my German Shepard and Trupanion came in and reduced the cost while providing excellent coverage.

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  • author
    Bárbara Kalil
    Aug 24, 2022
    The unexpected happened

    The unexpected happened and my cat got away for around 20 minutes. When I got her she was eating a poisonous plant and I had to rush her to the vet. I could barely think when they told me the bill, until I said I had Trupanion and the Vet's reaction was "Thank God!". My reaction when I came to my senses was the same. It all happened so fast and out of a sudden I had a huge bill from the vet that I didn't even had to see, they putted everything through Trupanion and I only got a very simple email with my share of the expenses. Just to not have to think about all the money and paperwork of numerous claims, Trupanion is a real life-saver.

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  • author
    Amanda Hogan
    Aug 23, 2022
    Extremely happy with this pet insurance…

    Extremely happy with this pet insurance company. Have been helpful every step of the way. Always available and able to answer any questions. Thank you Trupanion for doing what you do to help our fur baby's.

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  • author
    Jon Duff
    Aug 22, 2022
    Didn't come through when it mattered most!

    After paying $20,000 in insurance payments for the last 10 years, a big claim came through and Trupanion would not cover it. The claim was that it was breeding related and we needed a rider. We were NEVER informed mastitis was not covered and a rider was necessary for nursing. $9000 Vet bill was not paid.

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  • author
    Thane Wood
    Aug 22, 2022
    Claim to be there for your pets.

    What a joke of an insurance company. Been paying $190/month for over two years for two Dachshunds. Enrolled when one had IVDD and the second had no previous issues. When the second dog recently had IVDD, Trupanion did a deep dive into his previous vet records three years back which showed an incidental X-RAY from when he was hospitalized for eating trail mix that showed calcification of a disk; even though the treating Vet noted on the X-Ray report he had no signs of IVDD and was not treated for it. Trupanion claims they are a caring company but really when it comes down to actually helping you out they just go and find any way they can to get out of helping you when you need it. I submitted an appeal for the coverage with the help of the treating Vet for the X-RAY and was told by a Trupanion representative that if it wasn't for the incidental X-RAY comments, the surgery would have been covered. They won’t even consider looking at all the underlying factors here. Don’t waste your money with Trupanion, your just a number.

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  • author
    Barbara Carrington
    Aug 22, 2022
    Diabeties diagnosis

    My dog has been diagnosed with diabetes . It has been a very expensive experience. Trupanion has paid their share of all of our vet bills, So very easily with just a click from my iPhone. I highly recommend their insurance

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  • author
    Melissa Baptiewright
    Aug 21, 2022
    Trupanion has been fantastic!

    This is our first experience with pet insurance. When we adopted our dog, Hex, it was required to get insurance for at least 30 days. We chose Trupanion and have stayed with them. Our experience has been fantastic! They keep us up to date and answer all questions quickly. We are even eligible for a discount once he’s been fully trained as a service dog. I know Trupanion coverage will save us a fortune if ever needed!

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  • author
    JP
    Aug 21, 2022
    Happy with Trupanion

    So relieved to know that I have a "safety net" in case of accident or illness with my girls. Also like knowing that my premium will not increase as my girls age. My dad pays 3 times the price per month as his dog's age increases on a different plan.

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  • author
    Andrea Barros
    Aug 20, 2022
    So easy to work with

    So easy to work with. Our vet is not associated with them so I filed online and in less than 48 hours was reimbursed!

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  • author
    Amanda
    Aug 20, 2022
    Not a great plan

    Not a great plan. They don’t cover much and have a convenient way of doing math so there’s a deductible and then a reduction by % as well. I though it was getting a 75/25 plan but it’s more like a 50/50 They also hiked their rates egregiously and had nothing to offer after being a loyal customer for a year. The rates increased by 30%

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  • author
    Jerry
    Aug 19, 2022
    This is the best insurance ever

    This is the best insurance ever! They are always very helpful and extremely fast in reimbursing me when I have filed any claims. I will never get any other insurance for all my pets now and in the future.

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  • author
    Lisa Dunstan
    Aug 19, 2022
    Every single time I call I get a real…

    Every single time I call I get a real person who is very friendly and knowledgable! Keep it up!

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  • author
    Lisa
    Aug 18, 2022
    Great Coverage!

    This is our first experience with Pet Insurance. Trupanion was recommended by two trusted friends. Our experience has been fantastic! Turns out our dog has some serious allergies and Trupanion coverage has saved us a small fortune!

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  • author
    Erin Davis
    Aug 18, 2022
    Clear, concise, and caring!

    I appreciate how clear and concise all of the information is! Submitting a claim and getting text messages about updates was very helpful. They even called to ask how our pupper was after his incident. Thank you!

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  • author
    kim farmer
    Aug 17, 2022
    I have had this policy since our puppy…

    I have had this policy since our puppy was 8 weeks old. He had surgery on Monday and now it is “preexisting”. Never was told he had this problem in the past. 3400$ later they want to deny. I would not use them

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  • author
    DEB ANDERSON
    Aug 17, 2022
    Trupanion is amazing I!

    Trupanion is amazing! I have had it for 6 yrs. Easy to use. Great deal! I will never go with another pet insurance company!

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  • author
    Tamathea Howard
    Aug 17, 2022
    THANK YOU SO MUCH

    I'm writing a review about trupannion Teddy my 3-year-old American pitbull was 7 months old when he got into a car accident, with my husband, which teddy broke his back he needed bone cement and six pins trupannion was there to help us with Teddy it was 21,000, not even 5 months later he had obstruction surgery, and then after that we had both ACL replaced and now he just finished with his meniscus partially removed Teddy's darn close to being 50,000 dollar dog, G note is his nickname, With out the help of trupannion we would not have a Teddy, thank so much for saving his life.he just turned 3 wish you could see a picture.

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  • author
    Martin
    Aug 17, 2022
    Great service

    Unfortunately my 2 year old bulldog just needed surgery to repair one of his knees. I got the procedure pre approved and then paying on the day of the surgery was seamless. Really impressed with the service, thanks Trupanion!

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  • author
    Wendy Buterbaugh
    Aug 17, 2022
    Trupanion is the right choice!!!

    I am so happy we made the decision to go with Trupanion when we brought home our pup. We always hope we won't need pet insurance, but it is too late after the fact. Trupanion has been great for us as we have a leg issue that we are trying to resolve. I have had claims paid in as little as 14 hours!! The only thing I am upset about is physical therapy is not included in my plan and I was told it was a separate policy. I was never advised of that or I would have purchased it also. I now know for any future animals. If you have a pet, Trupanion is the way to go!!!

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  • author
    Michael
    Aug 17, 2022
    Be prepare to waste a ton of money

    Unless you start your policy before you've taken your pet to the vet, be prepared to flush a ton of money down the drain. I had a policy for 5 years, paid nearly $4,000 into it before submitting a claim, then my dog had an abscessed tooth. My bill was nearly $900 and I finally submitted my first and only claim, but Trupanion said they found record from my vet saying my dog had tartar before my policy started. What 5 year old dog does not have some tartar? Anyway, Trupanion practically gave me the middle finger and I'm done. I feel like I was swindled. Do yourself a favor and just put like $50 into a separate savings account for your pet every month. Don't waste your money with this company that will find any reason not to help you.

    ...

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