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Trupanion Review

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Reviews 3,961

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BestMoney Staff
Bestmoney Staff
Jun. 18, 20214 min read

Trupanion summary

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

  • Enroll pets from birth
  • Unlimited lifetime coverage
  • Direct claims payment to veterinarians available
  • Coverage available in United States, Canada and Australia

Cons

  • Waiting periods: 5 days for accidents; 30 days for illnesses
  • $35 enrollment fee (in select states)
Trupanionat a glance
3.4

Editorial score

Online experience

Basic site with some learning resources

3.0

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

No bundles available

1.0

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Highlights

  • Unlimited payouts on eligible issues
  • 90% coverage
  • Direct payment of claims available
  • No penalties for filing claims
  • 24/7 customer service

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 new 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
Unexpected injuries, illnesses, accidentsPre-existing conditions
All hereditary/congenital conditions including hip dysplasiaWellness, elective, cosmetic
Diagnostic tests, surgeries, medications, overnight hospitalizationExam fees
Prescription food, supplementsSales tax (in most states)
Endodontics of molars

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.

Should you choose to have a deductible, it will be payable 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 costs across the board, after the deductible. There are no per-incident or lifetime caps.

Trupanion's coverage is unlimited for the lifetime of your pet, with no payout caps or limits. Premiums do not increase based on pet's age or a number of claims filed. Also, there 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, sex and the standard cost of care in your area.

The cost of insuring a 2-year-old mixed breed cat with a $300 deductible in Chicago is $34.67. There is also a $35 enrollment fee per pet in most states. This makes Trupanion one of the more expensive pet insurance providers on the market though their coverage is extremely comprehensive, which can make it well worth the additional cost.

Optional Coverage

Recovery & Complementary Care RiderPet Owner Assistance Package
Rehab therapy3rd party property damage
AcupunctureAdvertising and reward for a lost pet
HydrotherapyBoarding fees
Chiropractic careHoliday vacation cancellation fees
Behavior modification/therapyBurial fees

Age Limits 

The Trupanion policy allows you to enroll your pet from birth for true lifelong coverage.

All cats and dogs under 14 years of age are eligible to enroll for lifelong coverage, which means that if you enroll your pets before their 14th birthdays, they will be covered for their entire lives.

Conclusion

Trupanion offers a straightforward plan that covers 90% of the cost incurred due to any accident or illness, as long as it isn’t a pre-existing condition. Their customer service is available 24 hours a day, 7 days a week including holidays. 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's superior customer service and nearly $1 billion paid out in claims make it one of the most popular choices on the market.

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.

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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.

Trupanion
Trupanion
ExcellentReviews 3,961

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  • author
    Cookie's dad
    16 hours ago
    Amazing service, no drama, very effective

    We had our pet to go thru an emergency spinal surgery, and in less than a week after remission, Trupanion had already made the deposit in our bank account for this major expense. Very straight forward, all done online. They take care of connecting with the clinic. Second time we had to sue them, great service and effective response. Thanks!

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  • author
    bellaestrella
    4 days ago
    We have both of our dogs under…

    We have both of our dogs under Trupanion insurance which has been helpful to assist when unexpected events happen. With two dogs it gets a big pricey considering that the policies do not cover any recurring expenses or visits,which is the only criticism I have as other policies cover some medical non-emergency visits.

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  • author
    Ruth Ann
    May 12, 2022
    Beyond grateful

    My sweet Cookie, 13 yr old Boston Terrier was diagnosed with Bladder Cancer. I am so thankful that I have Trupanion to help me to be able to provide treatment she needs to at least give us some more time together. The invoices and reimbursement are both completed so quickly and Customer Service is always so kind and helpful.

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  • author
    Lisa Roy
    May 12, 2022
    Trupanion has been an absolute Life Saver!…

    Trupanion has been an absolute lifesaver for myself and my fur babies. Getting insurance for my pets when they were little was the best decision I could have made. Just like children, it is impossible to predict what can happen ... i.e.: accidents, diseases, illnesses, etc. Unfortunately, both my dogs have faced some serious health issues which required me to make some critical, last-minute decisions. Luckily, Trupanion was there to ease all the decision-making and financial burden. The love of a pet is immeasurable and unconditional. We should never have to put a value on their life when faced with a life-threatening situation. Trupanion always allows me to put my pet's health first. As pets are members of our family, we owe it to take care of them. I am so glad I chose Trupanion. They are extremely professional, with very kind and compassionate staff on board. Their claims process is convenient and very easy to use, either through your computer or by downloading an app on your phone. It takes only a minute to complete with a quick response time. I am beyond happy with Trupanion and highly recommend them to anyone who wants that peace of mind taking care of their pets. Thank you Trupanion!

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  • author
    Anne Boyle
    4 days ago
    Diarrhea is a preexisting condition

    Extremely disappointed to learn that "DIARRHEA" is considered a pre-existing condition, so if your pet has EVER had diarrhea, I would not recommend Trupanion. I have a very healthy 2.5 yr old dog who saw the vet 1x last year for his check up. To clarify, my dog had diarrhea- a symptom not a disease- after having a bad reaction to a medication , 2 years ago. He presented with diarrhea this week and it was not covered for any reason. I will be changing insurance providers as soon as possible. Do not waste your time with Trupanion. It’s a scam. I have shared this terrible experience with my dog group of over 5500 members and many r Also reported terrible experiences with Trupanion.

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  • author
    Susan Kelly
    May 12, 2022
    Wonderful Company

    My Leo was adopted from a shelter. Trupanion understands that some dogs are blessed with good health, some are not. Leo, now 9 years old, was adopted at 2 years. At a young age he developed Cushing's Disease and subsequently Diabetes. From the Diabetes, he developed glaucoma and had to have a surgery to save his eyes, although he is blind now. He takes several expensive medications every day and has to undergo periodic lab testing for his conditions. Without Trupanion, I would never have been able to provide Leo with the care he needs and deserves. Claims are paid promptly, and the customer service reps are so professional and courteous. I thank God for Trupanion every day and tell anyone who will listen about this company.

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  • author
    Alice Hetrick
    May 12, 2022
    Reliving my worst nightmare, but this time I've got help...

    My cat Rosemary's insurance has literally been a lifesaver. Almost 5 years ago my therapy cat, who was my very best friend, got diagnosed with lymphoma. For almost 2 months I didn't pay for rent, bills, anything. My entire paycheck went into his treatment and I still needed assistance from friends and family to cover the gap along with my bills and rent. I would do it all over again if I had to, but I sure was pretty deep in debt for years afterward. Our battle with lymphoma was brief, but fierce. He was 9. Since then, Rosemary immediately stepped up to the plate. We grieved together, we slowly got closer and found our new normal. I started her and her brother on Trupanion within days. And ever since then I make sure, come hell or high water, that on the 8th of every month there's enough in my bank account for Trupanion. Almost 2 months ago, Rosemary turned 8. One month ago, she was diagnosed with lymphoma. The vet went over information about the specific type that she has, and then started to talk about treatments, and her voice got real apologetic when she started talking about the prices. The ability to shake my head and tell my cat's oncologist "money's not an issue, do what she needs" was literally the only thing holding me together right then. She's since been responding to treatment very well so far, and we might get up to a year. I've been able to afford not only the roof over our heads, but plenty of treats that I know she likes, a couple new toys that I know she loves, and a new cat tree for her to explore while she's still mobile. But only because she's insured. I've always had positive interactions with Trupanion, they can pay my vet directly so that I only owe the difference, they process claims very quickly, and they're literally saving our lives. I worked as a groomer, and now in a vet's office, and I've been recommending them to my clients for years.

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  • author
    Mike Bertrand
    May 12, 2022
    Absolutely perfect!!!

    Absolutely perfect!!!

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  • author
    Hello Paul
    May 12, 2022
    Be careful. Unpleasant experience!

    My little dog Buster injured his leg ( broken) by jumping of the couch. The rude person on the phone from Trupanion is telling me that it is an illness in stead of an accident. Leaving me stranded with the bill. And my coverage for illness isn’t active yet. However the accident coverage is. What is weird because an broken leg is not an illness!

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  • author
    Priscilla
    May 11, 2022
    Trupanion Insurance for my Persian Cat.

    I had purchased Trupanion

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  • author
    Heather Damon
    May 10, 2022
    I was really nervous when I had to call…

    I was really nervous when I had to call about getting a pre approval for my dogs mass to be removed. The gal I spoke to was so nice, so understanding. She sent me a link to fill out, stayed with me on the phone to see if I had any questions about it before she hung up. After filling out the brief questionnaire and hitting submit, I received an email saying they had received my pre application form and it could take 7 to 19 days but they would update me asap- also asked if it was an emergency, if it was, they would make a top priority. A day and a half, I received the approval and honestly, what I thought was so amazing, was at the bottom of the approval letter, was a note wishing my dog, by name! Good luck in his surgery. I am beyond grateful for these folks. I wish our health care worked like this!!!

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  • author
    Kim
    May 09, 2022
    Excellent coverage

    We have had Trupanion for approximately 5 years now and they have been a Godsend. Our Yazzi has had to have 2 PTLO surgeries...has Hip Dysplasia...and is allergic to dust and receives allergy shots monthly. Once the deductible was met for the conditions...we have been reimbursed 90% after quick claims processing. Trupanion is definitely the way to go for excellent medical coverage on your fur babies.

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  • author
    Regina Wills
    May 09, 2022
    Everyone has been very helpful when…

    Everyone has been very helpful when I've had to contact them.

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  • author
    Carolyn B
    May 09, 2022
    Best pet insurance ever!

    Being able to speak with a real person is priceless! 24/7 …always knowledgeable, courteous and compassionate. Claims are reviewed and paid quickly. What a great company!

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  • author
    Esther Afriat
    May 09, 2022
    1st Experience with Trupanion was #1

    This weekend started with our 18month old Lab throwing up something...probably a small stuffed animal from the looks of it, except we have NO idea where he got a hold of it. 24 hours later, he's still vomiting and beyond lethargic. we carried him to the car and took him to the emergency vet hospital. I only just enrolled 2 months ago with TRUPANION. Called them from there to ask what the process was. I submitted an estimate and was called the SAME DAY that it was approved with best wishes for a speedy recovery for our pup. Today was a hard day at the hospital, but TRUPANION made it a bit easier by removing some of the financial burden from us quickly. Thank you Trupanion Team!

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  • author
    Kelli Morton
    May 08, 2022
    Trupanion helped me keep my precious…

    Trupanion helped me keep my precious Boxer Filo alive longer then I ever could have on my own…..cancer and medicine every month and too the bitter end at University of TN. Whatever we needed Trupanion provided and was there for us in our time of need. My current Boxer Luke has been on Trupanion since birth and thank goodness we’ve not needed in 3 years… Trupanion even lowered our monthly rate since we hadn’t used our coverage. Trupanion is a true comfort to pet lovers… I tell everyone about Trupanion.❤️❤️❤️❤️❤️❤️❤️❤️

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  • author
    Cole Johnson
    May 07, 2022
    This Company is a Scam.

    There’s so much I can say but ultimately DO NOT GET THIS PET INSURANCE! I did a lot of pre-shopping around for my first time having pet and insurance and the fact that they basically stole money from me is just insane and still trying wrap my head around it. I started my plan at the very beginning of January of 2022, not once did i receive a call about anything, every time i had to reach and even see if they were doing there jobs….. fast forward on april 5th 4 months later of having the insurance the send me ronny’s coverage and what they WILL & WILL NOT cover. to find out they put on top what they won’t cover and everything they will cover…… and scroll down a little more they won’t basically cover anything from the sounds of it. so what’s the point of having it if nothing is covered which my dog has NEVER had any major health issue or any emergency visits and he’s 6years old. I was thinking about canceling my plan and come to find out without MY AUTHORIZATION THEY CANCELED MY PLAN!!! Like are serious I cannot make this up who does that? I call them more than a week ago today from this post which 05/07/2022 and the guy said he promised he would get a manger in touch with me and still haven’t heard anything……. and this is the honest truth I am in emotional distress because I’ve definitely already spent an upward a couple hundred dollars for them to “take care of my dog “when they did absolutely nothing except take my money. I really wanna get a lawyer and deal with it but all i can say is don’t trust them please they don’t care about your animals especially mine who is EMS dog and when you mess with my dogs health then we have a major issue………

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  • author
    Miriam Frank-LeBlanc
    May 07, 2022
    Trupanion Helped Save My Dog's Life

    My puppy Murphy turned out to be very injury- and illness-prone (Murphy's Law), and we have had a lot of unforeseen vet visits and expensive treatments. Thanks to Trupanion ($0 deductible), I have been able to provide him with the best possible medical care such as medication, emergency treatment when he became severely ill at barely 2 years old (1 year of ongoing treatment), diagnostic imaging for a back injury ($3800 before coverage), and complex surgery when he recently broke his leg ($4200 before coverage), not to mention allergies, arthritis, and more. The high costs of veterinary care are often prohibitive to owners being able to pay for those treatments, especially as dogs age and have increasing healthcare needs. Trupanion has literally helped to save Murphy's life, and I cannot express my gratitude enough for that.

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  • author
    Gina McMahon
    May 07, 2022
    Everyone beware

    Everyone beware! If you want your insurance guaranteed… DONT take your dog to a vet within the first 30 days!!!! We’ve been paying $125 per month for the past 9 months.. our dog is one year old as of April 30. Because we took her to the vet within the first 30 days, and mentioned she seemed itchy.,, now 9 months later they won’t honour any insurance claims for skin allergy issues. Do your homework everyone !! They will still happily take your money though.

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  • author
    Leandro Lellis
    May 06, 2022
    Great customer service, clear and simple terms

    I called Trupanion to inquire about the insurance and got connected to an agent right away - in addition to a great customer service and clear, simple terms - that was a decisive decision factor. I called another company and they put me on hold forever.

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  • author
    Sara Lee
    May 05, 2022
    I would recommend trupanion!!

    I would recommend trupanion to anyone. Unfortunately I’ve had to use their service several times. Their response time is very fast, they are incredibly friendly and compassionate. Explanations on eligible and in eligible expenses are thoroughly explained. Their chat service and their telephone service is very easy to access and pleasant to deal with.

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  • author
    Consumer
    May 05, 2022
    Tough time with our beloved dog’s…

    Tough time with our beloved dog’s health lately but, thanks to Trupanion, paying wasn’t a factor. Trupanion made this difficult time so much less stressful than it could have been if our bank account was wiped out. Now, we only have to concentrate on getting our sweet girl better. We can't thank Trupanion enough!

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  • author
    Doe Asombrado
    May 05, 2022
    Exceptional

    Exceptional! Approval of claim direct from provider who submitted in our behalf while we waited & was immediately approved 90% of claim! Covered our visit, saved us a ton, worry about cost. All we had to do was focus on our baby's recovery!

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  • author
    Alice Landes
    May 03, 2022
    I was very troubled about the cost of…

    I was very troubled about the cost of my visits to the vet. After speaking with Allison, I felt comfortable and reassured that my kitty problems would be taken care of. She was very helpful…. and in general… one of the most sociable and delightful people I’ve spoken with in a VERY long time!!!What a wonderful person to have on your crew!!! ❤️

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  • author
    Darian Thiring
    May 03, 2022
    ACL Surgery thank you TRUPANION

    A million percent recommend trupanion for pet insurance. My Dog, Boom, has to have double ACL surgery the first one was an emergency. The bill for the surgery was over 5k, with the stress of my dog in pain, being a CPA during tax season, and having a one and a half year old son this was not exactly what I needed. But thanks to trupanion I did not have to stress financially. Boom was able to have a quick successful surgery! one ACL down one more to go! I can not thank Trupanion Enough and will forever be a customer of theirs!

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  • author
    Lori
    May 03, 2022
    It is such a relief and peace of mind…

    It is such a relief and peace of mind to have Trupanion there to jump in and help. Beyond happy that I chose this insurance company. I highly recommend them.

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  • author
    b f
    May 02, 2022
    I have had serious medical issues with…

    I have had serious medical issues with my dog and it has been very painful for me. Trupanion handled my claims with ease and has helped me get thru this knowing they were there to help.

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  • author
    Mk
    May 01, 2022
    Best Pet Insurance EVER

    I've had Trupanion since I got my Cane Corso. She's now 5 and has had a few ear infections and recently a growth removed from her paw. That visit was $790. Trupanion reimbursed me and if she needs any further treatment, it's covered for life. My deductible is $250 and lifetime deductible is $150 per new condition treatment. They cover up to 90% the other 10% is the office visit charge or preventatives like vaccinations, heartworm or flea/tick medicine. They cover hydrotherapy, acupuncture, dental, chiropractic and a ton of other expensive stuff lol. Seriously Trupanion is the best!!!

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  • author
    Claudette Ebi Naylor
    Apr 30, 2022
    Great service, great coverage.All of my contacts with claims and…

    All of my contacts with claims and questions have been answered efficiently and pleasantly.

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  • author
    Melissa
    May 01, 2022
    BIGGEST SCAM

    BIGGEST SCAM! My fiancé has paid into this insurance for years for his dog and when he got sick and needed tests and vet visits they claimed it to be pre existing. How can cancer be pre-existing??? He’s heartbroken to have lost his beloved pet and to have them reject his claims after the thousands he’s spent on insurance in the last 14 years is absolutely disgusting! Believe me we will let everyone we know what rip off this company is! DO NOT WASTE YOUR MONEY! EDIT. There is no way to reply to their reply. You make it look like you actually care but he did in fact dispute this with zero reply from you! If you were actually sorry you would be dealing with this appropriately and you aren’t. Stop scamming people!!!!

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  • author
    Linda Rothero
    Apr 30, 2022
    I recommended my friend Cory Cimpa last…

    I recommended my friend Cory Cimpa last March, 2022. She was unhappy with her previous Pet insurance. She told me that she signed up with you.

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  • author
    Debra Adams
    Apr 30, 2022
    I am so grateful I chose Trupanion

    I am so grateful I chose Trupanion. When you need help and have any questions, there customer service is excellent, which is so hard to find in this day and age. They are so friendly and so understanding. Because they direct bill with my veterinarian, it has made issues so much easier and less stressful. Once you initially pay your deductible, any time you have to return to your veterinarian for follow up care for that issue you only pay the 10 percent. This has made care so much affordable. I never expected to have to use my insurance. However we have had emergencies concerning my dog. It is such a blessing to have had someone on the phone any time 24 hours a day. To reassure you and help you get through a horrible time when you were not sure where to turn, Thank you Trupanion. Your company is the best.

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  • author
    Aicila Oremor
    Apr 29, 2022
    Trupanion: Your Pet$ Best Companion

    We've had all but one of our pets, dogs, insured with Trupanion after nearly going bankrupt paying for chemo for our first pet, a Rottweiler diagnosed with melanoma. We learned the hard way and enrolled after researching for insurance companies. We chose the best! While the monthly premiums seem unnecessary, it all pays off in the long run. We're currently paying for chemo for another one of our fur babies. We couldn't do it without Trupanion! We submit the claims after the weekly treatments and gave approvals by the end of the week. The checks arrive in the mail the following week which makes paying off the credit card easy. I cannot recommend it enough as their customer reps are always friendly and knowledgeable. We love Trupanion!

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  • author
    Kara Chipman
    Apr 29, 2022
    Great service

    Despite the fact we should have done this earlier, could not be more happy that we did it now and had the most help with all of our many questions from Jeff. Will say that we hope we never have to use it but happy that we have it now and having a piece of mind that whatever happens to our babies we are covered.

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  • author
    Drew Melzer
    Apr 29, 2022
    Great Service!

    Great Service!

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  • author
    Chris
    Apr 28, 2022
    Great service for an even better price

    Great service for an even better price

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  • author
    Marc Kaplan
    Apr 28, 2022
    Excellent Pet Insurance

    Trupanion, excellent service, super fast claim payment, and, best of all, pays all legit claims, without hassle. They have saved my dog's life twice through exttensive cancer treatments and with no hassle whatsoever.

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  • author
    Edna Shire
    Apr 28, 2022
    good services and how easy you handle…

    good services and how easy you handle my claim like that my vet can bill direct no paperwork

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  • author
    Ernest Paul
    Apr 28, 2022
    Pet Owners will appreciate the Trupanion Experience.

    Pet Owners will appreciate the Trupanion partnership.Reasonable monthly rates available that can fit your budgetary requirements. Trupanion offers speedy payments directly to your Vet office,you avoid the paperwork when claims are required.We subscribed our Male Ragdoll cat Bandit 8 years ago.Several claims have been submitted and quickly paid.We are happy Trupanion participants.

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  • author
    Susan Antell
    Apr 28, 2022
    So grateful to have Trupanion on my…

    So grateful to have Trupanion on my side. They are so helpful and process your claims so quickly. I don't think anyone would be disappointed with Trupanion.

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  • author
    Joanne Cox
    Apr 28, 2022
    Two Year Old Yorkie, Millie

    My little two year old Millie was really sick last September and needed a liver shunt surgery. After her surgery, she ended up having seizures putting her back at the Emergency Vet. There she stayed overnight, but ended up going into cardiac arrest, twice, leaving her on life support for 5-6 days. There she was weened off and she was fighting for her life. She was a very sick puppy. It was a long road of recovery for Millie but she fought every step. She had to learn how to walk, eat and learn how to just be a dog. After 30 days, she came home! Trupanion was there every step of the way and my little Yorkie wouldn’t be here today if it wasn’t for their compassion and care! I recommend Trupanion to all my friends and family who bring a pet into their home… I am thankful for them every day!

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  • author
    Anne Dee
    Apr 28, 2022
    I urge anyone who has a pet to reach…

    I urge anyone who has a pet to reach out and purchase Trupanion coverage. We have been with them for 11 years and never been disappointed with their claims service or support. You can not find a better program!

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  • author
    A Lind
    Apr 27, 2022
    We're new to Trupanion as of January…

    We're new to Trupanion as of January but I will never need to find a new provider fot our doggie. He was a rescue who did not know love for 6 years until he found us. We only get him the best. Trupanion is it for us. Thank you for being with us through this so far difficult year. You've made it better. Highly recommend. I'd rate 10 stars if I could.

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  • author
    Veronique Cunningham
    Apr 27, 2022
    Thank You

    Thank You. So good so far. Willys spolled wore

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  • author
    Gerry Saunders
    Apr 27, 2022
    Very professional and compassionate

    Very professional and compassionate, it was one less hurdle for me when my fur baby needed surgery on both knees . I take away reassurance that if ever we are confronted with this again, trupanion is only a phone call away and will be with me all the way . Transparent and very dependable, thank you

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  • author
    Montserrat Tapia
    Apr 27, 2022
    It is such a peace of mind having a…

    It is such a peace of mind having a prestigious medical plan for my furry baby.

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  • author
    Steven
    Apr 27, 2022
    Services hors pairs

    J'ai été très surpris et très ravi que l'on communique avec moi par téléphone pour compléter les informations manquantes dans le formulaire de réclamation et tout ceci en français!

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  • author
    Blair Sastaunik
    Apr 27, 2022
    I have been with Trupanion for about 4…

    I have been with Trupanion for about 4 1/2 years now and could not be anymore happier with them. Their prompt response on claims is second to none. I and my precious dogs are so fortunate to have them and their support for our coverage. Thank you Trupanion!

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  • author
    Laura
    Apr 27, 2022
    Our experience is fantastic with…

    Our experience is fantastic with Trupanion they are quick to reply with answers from any questions we have our 2 pugs are well looked after with this insurance again thank you

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  • author
    Wicket's Guardian
    Apr 27, 2022
    I have read a lot of reviews

    I have read a lot of reviews. I have seen the low rating and the high rating reviews. I am troubled by the low rating and the outcry by some owners, whom I believe are great owners that are frustrated. On 2022/04/25 my Shiba, who is 12, had another allergy treatment which was 90% covered. A gentleman asked me how my experience was and I said I was only denied one claim for a luxating patella that was flagged prior to insurance. Ever since then it has been easy. He told me his experience being a little turbulent and I asked if he adopted an older dog, which he said yes to. His dog was 6. For anyone that gets a middle aged dog, understand there is a good possibility there are preexisting conditions. For anyone complaining about the premiums...it is a business. Nothing is cheap. You are hoping that you can be like the 70% of us that don't have anything major occur....and want it to be cheap. For those that experience large bills, the insurance pays off. That is why it is called insurance. If you think you are paying too much, but never get use out of the insurance then you have been fortunate and done your pet a great service. I paid diligently for years with very little to claim. I have made over $5k of claims since October of 2020. I have never had a hassle and haven't had to talk to anyone. My vet submitted claims and my dog received treatment. There is a mindset of setting aside money every month. That is a very thoughtful and responsible thing to do. As I wrote before, this is insurance. You are hoping to be part of the general 70%. In the event that you are in the 30%....and you have something that's not pre-existing like cancer or getting hit by a car, then that also gives you something to think about. I am thankful for the care my dear companion dog is receiving. I know she is getting up there in age and I am beside myself knowing our timeline together is narrowing. My experience with Trupanion is they took cost out of the equation for top notch care. This has increased the quality of my beloved best friends life as she heads into her final chapter. Thank you Trupanion!

    ...

  • author
    Nancy
    Apr 26, 2022
    TruPanion was key in saving my dog’s…

    TruPanion was key in saving my dog’s life. They did pay for most of her emergency and treatments to recovery. She is alive and healthy today thanks to TruPanion. The process for filing claims is very easy and all the staff is very professional and helpful. Definitely a must for cats and dogs.

    ...

  • author
    Olia E-a
    Apr 26, 2022
    They are a disgusting scam!!

    Do NOT get this insurance. They are the biggest scam.They will NEVER pay you out on any claim because they will go out of their way to deny any vet visit finding a way to say it is pre - existing even for conditions that resolve easily - colds and uti. Even if you get it the minute a pet is born, they will say the pet had a pre existing condition in their previous life. STAY AWAY!!

    ...

  • author
    Donna
    Apr 26, 2022
    Trupanion Violated Contract

    I signed a contract with Trupanion. Two months later, they emailed to say they had made an error on their part and I owe them more money every month. I explained that we had a signed contract. They didn't care. Any company that breaks a contract is not one I trust.

    ...

  • author
    Dawn White
    Apr 25, 2022
    They are always helpful and answer my…

    They are always helpful and answer my questions and provide good service.

    ...

  • author
    Tom Q
    Apr 25, 2022
    Thanks for several years of insurance…

    Thanks for several years of insurance for my three dogs. Well worth it. And to deal with so many animal lovers was great.

    ...

  • author
    Kelsi Murphy
    Apr 24, 2022
    Trupanion is AMAZING

    Trupanion has truly been a lifesaver. I highly recommend to all pet owners. My dog is the love of my life and he was diagnosed with cancer 1.5 years ago. We wouldn't have been able to afford treatment without Trupanion coverage and I'm so thankful and grateful we've been able to give him the best care thanks to Trupanion. They also pay your vet directly and have super fast response times. Truly worth it!

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  • author
    CSW
    Apr 24, 2022
    Great customer service and plan

    Great customer service and plan

    ...

  • author
    Nina M.
    Apr 24, 2022
    Thank you trupanion

    My puppy has been really sick we had to do a lot of expensive exam. His medical bills were up to 10,000$ and he was diagnosed with IBD, trupanion coverage has been really quick and the customer service is outstanding. During those stressful time I could focus on my dog recovery and not on the financial aspect. Thanks to trupanion my dog is alive I was able to provide him with all the medical assistance that he needed. They are an assurance that is honest and transparent ,they have my complete trust and I would recommend them anytime

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  • author
    Chris Tucker
    Apr 23, 2022
    Thankful for Trupanion

    My dog, Zima, suffers from Wobbler's Syndrome. Even though it is a "mild" case, in the past 2 years she's had over $11,000 of medical expenses. Without Trupanion, I would have been severely limited in what medical aid I could provide her. And I have found Trupanion to be easier to work with than my own health insurance or my medical flex spending company.

    ...

  • author
    Erica Bissonnette Wollen
    Apr 22, 2022
    Caution!!

    Caution!!! These guys are a typical insurance company. They wouldn’t cover medication for my dog. Vet was sure they would cover. They got a ton of money from us… and hid behind their sketchy wording!

    ...

  • author
    Zeus’s mom
    Apr 21, 2022
    Our dog just had surgery and the claim…

    Our dog just had surgery and the claim was processed within 24 hours. More importantly the customer service is outstanding. I wish they covered preventative but knowing he is covered with unexpected illness gives us peace of mind.

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  • author
    Dale Emerson
    Apr 21, 2022
    Great Service

    `My golden retriever pup developed foreleg deformaty as he developed. He began limping and after a a visit with a specialist it was determinened that he required surgery on both forelegs. I was somewhat sceptical with trupanion insurance as I felt they would behave as a typical insurance company and find a way to wiggle out of coverage. Man was i shocked to find that trupanion had authorized the work before I had even left the Vet clinic. By the time I got home they had emailed me explanation of the coverage, deductable etc. They then followed up with a phone call asking if i needed further assistance and giving well wishes for my pup. I was amazed. Not what I expected. Thanks Trupanion for the oustanding support. I am impressed. I'd give 10 stars if that was an option Dale Emerson

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  • author
    Deborah Case
    Apr 21, 2022
    Wonderful customer service

    I adopted a dog and 30 days of free insurance came with the adoption. My new dog became critically ill about three weeks later. I was able to get emergency care for him without stressing about the cost. Unfortunately, he died but I was able to know that I did everything I could for him. Trupanion covered his veterinary expenses promptly and treated me with great kindness through that process, including sending me a condolence card. I highly recommend them!

    ...

  • author
    Clarita Montero
    Apr 21, 2022
    Customers service is always amazing

    Customers service is always amazing. They are effective and quick

    ...

  • author
    Ashley Perry
    Apr 21, 2022
    Saved my puppies life

    I recently brought a new puppy into my home. The day I got him he was diagnosed with parvo. Luckily, I had trupanion insurance on him. Without their help I don’t know if I could afford his treatment. My puppy is alive right now because of trupanion.

    ...

  • author
    Kidd Wicked
    Apr 20, 2022
    Insuring my Baby Kiddie 🐈 was the VERY…

    Insuring my Baby Kiddie 🐈 was the VERY BEST thing I did for Her and wouldn't trust Her Health with ANYONE else...

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  • author
    JudyB.
    Apr 20, 2022
    Thank you to Trupanion

    Thank you to Trupanion! The people who answer the phones are always uplifting, understanding, and helpful. Front line, you are excellent. The claim process has been nothing short of awesome. Easy to submit and the payments are quick. This choice has been great for us for many years.

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  • author
    Sean Moore
    Apr 20, 2022
    I tried it and decided to cancel after…

    I tried it and decided to cancel after a full review of the policy details. The policy outline days you can cancel anytime and if within 30 days get a full refund. It also said that I can cancel by phone, fax or email. I send an email but was informed that an email was not acceptable. I had to call ,when I called I was given a hard sell to stay, really hard and the guy tried to make me feel guilty. Saying 'economic euthenasia' and such. I really had to speak very firmly for him to accept my instructions. I'm sure the coverage might be ok but I simply decided to set aside the monthly amount hoping that will be good.

    ...

  • author
    Molly Fowler
    Apr 20, 2022
    10/10 Recommend

    Excellent experience with Trupanion, easy claims process, helpful staff members, and quick turnaround times!

    ...

  • author
    Helen
    Apr 19, 2022
    Lovely people, and so efficient!

    Within 2 years of adopting our cat, she needed urgent dental surgery - stressful for us, and obviously our cat. But when we first adopted her I arranged insurance with Trupanion, and I am so glad I did - when the vet bill came in we put in our claim and it was read, investigated, and approved within days. Everyone I have had contact with at Trupanion is polite and efficient - I highly recommend them!

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  • author
    Randee
    Apr 19, 2022
    Fantastic first claim experience

    I had my first claim with my poodle Stella and I am so thankful for this insurance. It was super simple. I submitted claim forms and was approved right away and then reimbursed. I recommended this insurance to all of my friends and will continue to do so. The communication was great too.

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  • author
    Nicole
    Apr 18, 2022
    This insurance has been very helpful…

    This insurance has been very helpful and comforting with our dog. Claims and pre- approvals are fast. You can upload invoices on your online app. We always get a live person quick when we call. I recommend if you are looking for pet insurance you go with this company. Just make sure you choose a plan with a low deductible if possible.

    ...

  • author
    Rebecca Ball
    Apr 18, 2022
    My bulldog Molly was just diagnosed…

    My bulldog Molly was just diagnosed with a mass cell tumor. I was nervous to ask Truepanion if she would be covered because she’s already had three expensive surgeries unrelated to this. But when I spoke to Sonja she assured me that Trupanion wants to pay and help Molly have her surgery so she can get better and continue to live a good long life. She showed such genuine empathy and concern. And reassured me she and the others working there actually rejoice when they pay medical expenses and help peoples pets get better. Model company.

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  • author
    Mari Rawl
    Apr 18, 2022
    Thank you Trupanion

    Usually when dealing with customer service with just about any business now one hangs up with mixed feelings about why I'm doing business with this company. Not so with Trupanion. Elin was just one of many caring agents I've spoken to at Trupanion and I always come away feeling glad I chose this company.

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  • author
    James DEsposito
    Apr 15, 2022
    Trupanion is by far the best

    Trupanion is by far the best pet insurance I have had. I simply submitted the vet's invoice and report and it was processed and paid within 24 hours. No arguing, no hassle. They paid exactly what they were obligated to pay.

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  • author
    Myriam Barbot
    Apr 14, 2022
    If u love ur DOG

    If u love ur DOG, get him TRUPANION!!! Whatever happens, they have ur back. Plus u don't even have to pay first, the vet gets paid directly from them. What I love the most is their empathy when my dog is sick. They truly care and I love them!!!!

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  • author
    Nailze Lima
    Apr 14, 2022
    Our dog has been treated for cancer and…

    Our dog has been treated for cancer and Trupanion as the insurance we chose long ago has been covering for most of his treatment, I am so pleased with the quick response I get from Trupanion staff and also online responses. With all the worries with our precious dog's illness, Trupanion was there for us to help us! I do appreciate all the help they have been giving us! Trupanion is an excellent pet Insurance! Thank you Trupanion! Nailze Lima

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  • author
    Ashley Potter
    Apr 29, 2022
    Extremely disappointed …

    *** UPDATE*** It gets worse. I was contacted by a Trupanion representative as promised in the response below and I was directed to start a GoFund me page, this was what they offered for “support”. I think this speaks for itself as to the ethics of this company and showcases their lack of support for rescue animals. I am absolutely disgusted with this company. We rescued a little dog from Texas and through no fault of ours or the rescue, he recently tested heart worm positive. He was abandoned and once brought in to the rescue was put on a heart worm preventative medication and we have continued his heart worm preventative since coming in to our care. Heart worm is rampant in the southern US and unfortunately it is not un-common for rescue dogs to contract this disease. We started the treatments to save his life as this is fatal if left untreated. The treatments are very expensive and are very intense and the next few months are going to be difficult for us. Trupanion has denied our claim to assist in paying for these treatments saying they do not pay for treatments for parasites where there is a preventative available. I explained the situation to the company, that he is a rescue and that a preventative was not available to him until he came in to the care of the rescue. The rescue organization did everything right by putting him on the preventative as soon as he was brought in off the streets of Texas. We were not neglectful and he was on this preventative when we opened up our policy. He tested negative on his first test which was done in Texas but had to be retested as per protocol and tested positive on his second test which was once he came in to our care. We did everything right and yet Trupanion refuses to help out with this unfortunate situation. Reggie will recover from this and we will make sure that he gets the best care despite the lack of support from our insurance company. We are extremely disappointed as Trupanion was the company that was recommended to us by the rescue organization that specifically rescues dogs from Texas but they will not support treatments for an illness that is common in rescue dogs from this area. These poor animals need all the help they can get and we feel very strongly that there should have been support from Trupanion. We can only hope that in the future Trupanion will reconsider this and include some type of clause in their policy to support heart worm treatments for rescue dogs.

    ...

  • author
    DANIELA WIGHT
    Apr 14, 2022
    We had a serious concern ...

    We had a serious concern about our puppy and the rep was so friendly, courteous and extremely helpful. by the end of the conversation I felt good about the decision that we made with this insurance company.

    ...

  • author
    MP
    Apr 12, 2022
    Best company insurance.

    Best company insurance.

    ...

  • author
    julie logue
    Apr 11, 2022
    Great service and staff!

    Great service and staff!

    ...

  • author
    Silberman family
    Apr 11, 2022
    Trupanion is has been amazing - Sunnyvale, CA

    Trupanion is has been amazing. Our dog Korra has had to have multiple sx due to a dog bite and then a CT and Sx for removal of 2 salivary glands recently. W/out trupanion we could not have been able to afford all the procedures. Thank you for being there in our time of need.

    ...

  • author
    Alana Stone
    Apr 10, 2022
    Hands-down the best experience

    Hands-down the best experience. I wish our vet would have been as compassionate. They move quickly with no pushback. We had two major medical incidents with my dog. Both times they were there where there for us. I highly recommend this company

    ...

  • author
    MELISSA GATES
    Apr 09, 2022
    Trupanion has saved both our dogs’ Lives!!

    I never have to worry about my claim not being accepted. Never have to worry how much I’ll have to pay cause I know in advance and RIGHT AWAY. I feel assured knowing we have trupanion to keep my pups alive…which they have had to do and done every time. We truly appreciate them and wouldn’t go anywhere else.

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  • author
    Joe Tes
    Apr 09, 2022
    I wish human insurance was as good as…

    I wish human insurance was as good as my Dogs. They have never failed to be honest and responsive. After my dogs surgery, Tonya called me and checked on her condition. She also answered all my questions and made sure to let me know that once my deductible was met, if my dog had any other complications regarding this claim, my expenses would only be the small percentage I agreed to pay. My friend just took his dog to the emergency room and payed 1400.00 I just had major surgery and payed a couple hundred for everything. Soooo impressed with Trupanion.

    ...

  • author
    Melissa Elliott
    Apr 08, 2022
    Excellent!!

    I am completely satisfied with our first trupanion experience. It was no hassel and the coverage is great!

    ...

  • author
    K Shu
    Apr 07, 2022
    My sweet Blue got cancer and Trupanion…

    My sweet Blue got cancer and Trupanion covered a percentage of all treatments as promised. The process to submit invoices is easy and responses were quick. The experience overall was stress-free. Highly recommend Trupanion.

    ...

  • author
    Bryan L
    Apr 07, 2022
    Bad Business!

    This company is not appreciative of new clients. They are charging an enrollment fee to “pay for the labor of signing up the account” why would a company pass along this cost to the customers and then charge them a premium. The premium should cover your labor cost. Bad business, I will stay away from them and suggest you do the same!

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  • author
    Richard Matthews
    Apr 07, 2022
    Most professional chat

    Most professional chat. Chatted with a major airlines yesterday. Something simple yet it took me 2 different chat sessions and emails, 2 hours later the simple request was finally done. Trupanion on the other was very professional had my inquiry done within minutes.

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  • author
    Heidi
    Apr 07, 2022
    Excellent turn around on claims!

    I bought Trupanion to help with our cat and new puppy. I am so glad I did because our puppy developed a couple issues the last 2 months. Nothing life threatening, but those costs add up! Trupanion's online claims are fantastic. I get reimbursed the 90% within 3 days of uploading my invoices. Everything has been covered as stated and I could not be happier with the whole process. Would highly recommend Trupanion!

    ...

  • author
    Tee
    Apr 07, 2022
    So far seems to be a great insurance…

    So far seems to be a great insurance company with great friendly and fast chat service.I only just joined, price appears reasonable and I love that they will cover your fur baby even when they are old. Thats often when you need it most!

    ...

  • author
    Ray Kopchak
    Apr 06, 2022
    Amazing experience with John.

    Amazing experience with John.

    ...

  • author
    Amarilis Landy
    Apr 06, 2022
    I am very happy to has Trupanion has insurance for my dog . She just get a Surgery 75% , of the cost was cover . Very rapid response very well service. I Stronger recomend trupanion

    My dog is a 12 yrs old , she need to get emergency surgery for her uterus was infected . I am lucky to has this insurance ; everything was cover 75% they was quickly respond very nice customer service. I recommend Trupanion for you peace of mind ☺️🙏.

    ...

  • author
    Marco Di Fazio
    Apr 06, 2022
    Trupanion was the best decision we made!

    My dog is 6 years old now and has been pretty healthy most of his life. The times previously when we filed small claims Trupanion was always there as promised. When we foundout our dog had cancer that needed to be removed and the bills stacked up Trupanion was always by our side and quick to review our claims and issue cheques. Getting pet insurance through them was one of the best decisions we ever made.

    ...

  • author
    Teresa P
    Apr 06, 2022
    Great Value for the Money

    No matter the issue, there is always someone available who knows the answer. I really appreciate the lifetime deductible concept. Claims are super easy to file. I have giant breed dogs, so their bills are giant too. No matter what the issue, Trupanion representatives have always been able to help with questions. Great customer service!

    ...

  • author
    Jami D Sings Harmony
    Apr 05, 2022
    Pets are simply not inexpensive

    Pets are simply not inexpensive! We never know when an incident( illness, injury, incident) can cost hundreds and even thousands. Knowing I have insurance, I can budget monthly for the potential of bigger ticket situations is comforting and financially securing. I add this to my standard Wellness program, and rarely do I pay out of pocket.

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  • author
    Claire B-L
    Apr 05, 2022
    Best pet insurance ever!!

    Best pet insurance ever. I don't know what I would do without Trupanion. My service dog signed up for Trupanion when he was a puppy. 8 years later, he was diagnosed with Cushing's disease, which is one of the most expensive disease to manage due to frequent blood work, medication, and deteriorating symptoms that require specialty veterinary services. In the first year of treatment, I think that the total cost of vet invoices was nearly $12k, and Trupanion covered 90% (except consultation fees). Trupanion gives my service dog a significant chance to feel better and exceed survival rate. I'm forever grateful, and I always recommend Trupanion to all pet owners I come across. Trupanion is a must-have.

    ...

  • author
    Jonathan Andrade
    Apr 05, 2022
    I canceled my plan in December and was…

    I canceled my plan in December and was mislead into keeping it active until claims were fully reviewed. They continued to bill and would not honor that conversation. I then had to call three additional times to ensure it was canceled. Sleazy tactics.

    ...

  • author
    K R
    Apr 19, 2022
    100% worth it

    My dog tore her CCL (ACL for humans) and trupanion covered her emergency knee surgery. I don't know what I would have done without trupanion insurance. So easy to submit claims directly through my vet and have started recommending this to anyone who has a pet.

    ...

  • author
    Carol Rosenhaft
    Apr 04, 2022
    DON’T WASTE YOUR TIME OR MONEY WITH…

    DON’T WASTE YOUR TIME OR MONEY WITH TRUPANION! They are a scam company! They always find a “pre-existing” condition not to pay any bill. I have had them for 2 years and they NEVER paid one bill!

    ...

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