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Trupanion Review

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Reviews 3,521

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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

Trupanion Trupanion Visit Site

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.

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
    Francine Dorman Thun
    11 hours ago
    Reimbursements are great

    Reimbursements are great. My vet gets paid directly. The staff are always very friendly and outgoing.

    ...

  • author
    Sandy Kelly
    a day ago
    So thankful to have Trupanion

    So thankful to have Trupanion for our 11 year old Maltipoo Jackson. He was recently diagnosed with Diabetes and was hospitalized for 8 days to get stabilized. That was 4 months ago. We have been giving him insulin injections twice a day since and he had been doing well until 2 weeks ago when he “crashed” - not eating, vomiting, losing weight and lethargic. He has been hospitalized another 6 days in the last 2 weeks. Thankfully, he responded to all treatment and is home again, doing very well. Without Trupanion, we wouldn’t have been able to afford even the first emergency and would have had to euthanize. Trupanion gives us the ability to say “Yes” to all the diagnostics and treatment Jackson has needed. It is very easy to submit claims on the Trupanion app. I receive a text telling me the outcome and amount of reimbursement within 2-3 days. I receive 90% back of what I paid, with a very few exceptions. I would be heartbroken if we had to say Goodbye to him because of money. Thank you Trupanion!

    ...

  • author
    customer
    2 days ago
    Constant calling to verify things I've verified three times now.

    Insurance I have had for months, still calling to verify stuff that seems to come out of thin air. They 1st contacted every vet within 5 miles of me for pet records even though I've told them, my exact vet, 4 times now that I've used for over 15 years. Little trying as why so many calls to verify the information that I've given them already. Customer service- need to address this....!!!! I'm starting to think I need to call my state farm agent and tell him these issues as I'm now not trusting this company..!!!!!!!!!!!!!!!!!!!!

    ...

  • author
    csagain
    2 days ago
    Trupanion = True Companion

    Trupanion is just as the name implies - they are a true companion in the care of my Fur Boys!

    ...

  • author
    Joe Jones
    2 days ago
    The loss of our precious Scottie

    The loss of our precious Scottie, Bonnie, after a year of cancer treatment Trupanion was wonderful. Expenses for medicine from Trupanion relieved us of that concern. The conversations with them were understanding and helped us. A truly great company with superior agents and ease to work with.

    ...

  • author
    Susan Freeman
    2 days ago
    We were mislead by the associate…

    We were mislead by the associate regarding a Ryder, our pup will need water therapy for IVDD, I was told if I add the Ryder the therapy would be covered, but I was not told that it did not cover the therapy Barolo needs for his surgery in August. Ellen who was helping me was very understanding and helpful.

    ...

  • author
    Kim Newton
    3 days ago
    Excellent + 1 recommendation

    Insuring my dog with Trupanion has saved me so much money. They have been great about claims and coverage. The one thing I can think of that would be an improvement is the ability to access previously submitted medical files on the site. It could be a comprehensive folder to share with a vet for ongoing care.

    ...

  • author
    Steven Riley
    3 days ago
    My dog had an aggressive cancer at age…

    My dog had an aggressive cancer at age 5 thank god i had Trupanion for my baby. The bills for him added up to a little over 45000.00 and not 1 claim was denied and was always paid at 90% prompt without question. Thanks to trupanion i was able to spend 21/2 more years with my dog. Love Trupanion and there people. Great job !!!!!

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  • author
    Joyce
    3 days ago
    I'm not Computer Savvy and was lost…

    I'm not Computer Savvy and was lost trying to send an Invoice, Jordan solved my issues , he was very friendly in explaining what i could do to complete the invoice issue thank you Jordan

    ...

  • author
    Maureen O'Brien
    3 days ago
    Amazing experience

    I have Trupanion insurance for my dog and recently filed a claim for an emergency surgery my dog needed. Filing the claim was super easy and I was reimbursed within two days. I have never had such a great experience with a pet insurance before. All I can say is wow abs thank you!

    ...

  • author
    jam
    3 days ago
    Recommended.

    I’ve had Trupanion for over a year and filed my first claim. I’m a lawyer and read every word of every potential policy of the companies I reviewed before selecting Trupanion. They were very prompt and the filing process online was very easy. I will definitely recommend Trupanion to friends.

    ...

  • author
    Jennifer Brewer
    3 days ago
    When I lost my first cat

    When I lost my first cat, Little Cat, I was distraught. Trupanion immediately cancelled my policy as soon as they heard from my vet, meaning I didn't have to do anything. That was good because having to cancel her policy would have been an added burden at a difficult time. They also sent me a very nice condolence message. When I got my new cats, Maisie and Mindy, it never occurred to me to go anywhere but Trupanion for their care.

    ...

  • author
    John Callaghan
    3 days ago
    My wife had a kidney transplant on…

    My wife had a kidney transplant on 10/3/2020 and wanted a puppy for Christmas. We adopted Callie Christmas week. She is a soft coated Wheaton Terrier who had born on 10/7. My vet recommended Trupanion and we signed on in February I believe. Because she was a pup, Callie had the habit of eating grass and pebbles, despite the muzzle we put on her. Since then she has had some gastro problems. Trupanion has refuse to cover ANY of the bills. We are going to change vets, and condemn Trupanion vehemently!

    ...

  • author
    Helen Connelly
    3 days ago
    Why you want to get this for your pet NOW

    My recent experience was a minor one; I called to ask a clerical question and received great service. That being said the REAL experiences that make this my go to and frequently recommended company are these: 2am emergency room visits where Trupanion authorized funding for treatment of between $1,200 to $2,300 ON THE SPOT. My pets have gotten treatment while I had the heart breaking experience of listening to other owners have to wait, or make medical decisions for their pets based on financial considerations, including euthanasia. Not so fun fact: even if you have access to a couple of grand in the bank or on a card, they are not necessarily going to transfer it to the vet in the middle of the night. I hear so many stories about sick or injured pets that owners are struggling to save, but are having trouble affording care. I have my policy set at 90% reimbursement. If you have a pet, get it insured BEFORE there is an emergency. You will thank yourself when you are able to tell a Vet "My pet is insured. Do whatever you need to". Watch the Vet sigh and watch their shoulders drop and enjoy them saying they "Will do everything they can to help your pet."

    ...

  • author
    Maryellen Clinton
    4 days ago
    Cat surgery.

    Fast, easy, caring, reasonably priced. Can't get better than that.

    ...

  • author
    Paul
    4 days ago
    Excellent company that’s follows…

    Excellent company that’s follows through tin processing claims within 7 days. I am embarrassed to say that my dog has better healthcare than my wife and I.

    ...

  • author
    Danielle Gagnon-Buttigieg
    4 days ago
    Having heard nightmare stories about…

    Having heard nightmare stories about accidents and de seas that can lead to extremely high vet cost , I was referred bu my Vet to get this insurance …..I took a high deductible plan that doesn’t cost very much per month and I have piece of mind !

    ...

  • author
    Joseph Hudak
    4 days ago
    I love have Trupanion for my Pet

    I love have Trupanion for my Pet, it gives me a sense of security knowing they have my back when I receive a large Vet bill.

    ...

  • author
    Heidi Miller Wittchen
    Oct 20, 2021
    My decision to have insurance was an…

    My decision to have insurance was an easy one. When my first red toy poodle jumped from my arms at 6 months old, she had a 45 degree break on her front leg and I had no insurance on her. After 3 breaks, 3 surgeries and out of pocket costs close to $15,000, I decided to look into insurance when it was time to add to our fur family. The day I came home with 2 additional red toy poodles, I had already completed research and signed them up for Trupanion. Ollie went for routine blood work at our regular vet prior to neutering and an elevated liver enzyme led us to an Internal Vet Specialist. I've been very pleased with Trupanion customer service. My questions were answered. I picked my deductible ($500) along with the coverage (90%). I was a bit surprised the appointments themselves aren't covered, but knowing everything else is I'm very happy. We're hopefully on the right path to getting Ollie well. He's had an ultrasound and he's currently on 2 different antibiotics, all covered at 90%. After 3 weeks of the antibiotics, his blood will be tested again. If there's no improvement, he'll need to have a biopsy on his liver. The cost will be in the neighborhood of $5,000 if it comes to that. Thanks to Trupanion, I can focus on my Ollie and the 10% that I have to pay, letting them handle everything else, almost entirely worry free!

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  • author
    Alexandra Nikitakis
    Oct 20, 2021
    Giving Trupanion a 10 all across the board

    I cannot be any more pleased with Trupanion as I am. They have been extremely prompt, courteous, helpful, transparent and have provided the utmost attention to any issue I encountered with my pets. I am 100% satisfied. Thank you for making stressful situations easier on us.

    ...

  • author
    Theresa Salas
    Oct 20, 2021
    Our Yorkipoo

    We have a Yorkipoo and we have had to take her to the vet for various reasons. Having Trupanion pet insurance has made the process easy. And the insurance plan is tailored to your liking making it affordable.

    ...

  • author
    Allison B
    Oct 19, 2021
    Trupanion is a Godsend!

    My Doberman puppy has had GI issues since I brought him home at 10 weeks of age. He can't seem to gain weight and was regurgitating several times a day. He has had a multitude of tests - bloodwork, x-rays, ultrasound, endoscopy, etc., and we still don't have a definitive diagnosis. Currently we are treating the symptoms and Trupanion has been a Godsend, covering every single test and medication once my deductible was met. I don't know what I would do if not for this insurance. Their customer service is top notch and it's amazing how quickly I am reimbursed for expenses. Buying a policy from Trupanion may be the smartest thing I have ever done.

    ...

  • author
    Nancy Hearne
    Oct 19, 2021
    What 4 month old labradoodle jumps out…

    What 4 month old labradoodle jumps out of a moving car? MINE! and Trupanion has been with me through every one of life's unexpected moments with my 5 year old girl.

    ...

  • author
    Kris
    Oct 19, 2021
    I do not normally take the time to write reviews but

    Turns out I have a dog with a chronic (mega- esophagus) life long condition that I did not know about when I insured him, nor did they. Nonetheless they have kept their end of the bargain. They are well organized, friendly, knowledgeable and very responsive. Wish every company (especially the telecoms!!!) were like this so I would not have "tech support PSD".

    ...

  • author
    Helen Osment Pike
    Oct 19, 2021
    The customer service is very responsive…

    The customer service is very responsive and respectful. They appear to be genuinely interested in your pet’s wellbeing. The premiums we are paying for the insurance we have for Evie is very reasonable for the policy that we bought.

    ...

  • author
    Jo
    Oct 19, 2021
    We have had Trupanion for four years

    We have had Trupanion for four years. We got it when she was a puppy. It has been a great help. The staff was very kind, answered my questions and sent me a form to get pre approved after seeing a specialist. Our dog will have surgery next month and it will be covered 90%. It's very easy to file a claim or get preapproved.

    ...

  • author
    Dorothy Champagne
    Oct 19, 2021
    We have been with Trupanion for many…

    We have been with Trupanion for many years. They have been very helpful over the years. Filing has been easy too. No long waits on the phone either. My Vet recommended it too. Thanks to the wonderful staff too.

    ...

  • author
    Polly Smith
    Oct 19, 2021
    My number one choice for pet insurance

    Trupanion is a great pet insurance with paying 90% out. My dog is going through chemo and the meds are a big expense so 90% is great. They approve almost immediately sometimes before I leave the vet they have already approved the bill. They are a wonderful company. I highly recommend them.

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  • author
    Karen Swain
    Oct 19, 2021
    Awesome service

    We have been with Trupanion for 5 years. They have been above expectations with getting our claims processed and handled.

    ...

  • author
    Ken Bedford
    Oct 19, 2021
    We have been with Trupanion for over 10 years

    We have been with Trupanion for over 10 years and NEVER had a problem with the co. at all . Our three dogs have been maintained by them the whole time, boy talk about relief not having to worry about if we can afford to get our pets treated for any sickness. We are down to one dog now and still with Trupanion KUDOOES GUYS thanks again staff fantastic Mary &Ken Bedford

    ...

  • author
    L M
    Oct 19, 2021
    Trupanion staff really seem to care…

    Trupanion staff really seem to care about my furry friends. Anytime I call with a question, they do a great job explaining the process and always ask how my fur babies are doing!

    ...

  • author
    Gary Amrine
    Oct 18, 2021
    Trupanion is a lifesaver

    I have a 1year10 month old Neapolitan Mastiff.She is an awesome sweet fun dog.The problem is she has hip dysplasia in both hips and elbow dysplasia in one elbow.She had one hip replaced in April of 2021 and two elbow operations . She also had two platelet injection’s in her elbow and we’re going next week to see if she needs her other hip done. Trupanion covered everything including prescriptions and supplements at 90%. What a lifesaver. Trupanion is so easy to work with. Their customer service is top notch.I am one hundred percent satisfied.I would recommend Trupanion to anyone.

    ...

  • author
    B Movis
    Oct 18, 2021
    Excellent Service & true to their word

    I had my little Ellie Mae insured with Trupanion since she was 6 months old. I really didnt have a need for the insurance until she was almost 2 yrs old when she was diagnosed with Addison's and really used the insurance when she was critical with hyperparathyroidism. Trupanion were sent quotes by the specialty hospital & answered within 10 mins of receiving those quotes. They were true to their word & paid 90%of approved items. Unfortunately my little girl is in Heaven now but I cant thank Trupanion enough for everything they did. Even when i called to advise their call centre that Ellie had passed the person I spoke with was so good. Thank you.

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  • author
    Beverly Boyd
    Oct 18, 2021
    Thank you Trupanion!

    Thanks to Trupanion I have been able to afford my dog’s bladder stone removal surgery. They have also covered his follow-up testing! It is well worth getting covered by Trupanion!

    ...

  • author
    Helen
    Oct 18, 2021
    Applying for Insurance

    Very pleased with my first contact with Trupanion. The representative was very professional and answered all my questions and more! I believe we chose the right insurance for our loved pet.

    ...

  • author
    Carol M Cramp
    Oct 18, 2021
    Having Trupanion is a "game" changer for us!

    Having this Trupanion insurance is a game changer for us. Not knowing what will come up in for pets life helped me help them and not brake the bank. I have four pets and each one of them have issues unknown to me until they came up. Most of them are "rare" but can happen and with Trupanion on my side they can receive the treatment they need with as much 10% after the deductible out of pocket for that part of their bobbies.

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  • author
    Paula Musco
    Oct 18, 2021
    Thanks to Trupanion our dog is alive

    I’m so thankful to have gotten my pet this insurance as a puppy . We knew that our pet could get sick and vet bill can get expensive , a small insurance payment gave us piece of mind . Unfortunately our pet did get sick at age of 5 yrs and required a lot of medical attention and medications that had we not had insurance I really don’t think we could have afforded it . Because of it our dog is now 9 years old and is doing great and is still being treated for his condition that is under control. Thanks to a small fraction of a payment and Trupanion our dog is still with us .

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  • author
    Kenn Jones
    Oct 18, 2021
    All my babies are covered by Trupanion…

    All my babies are covered by Trupanion and it’s been a wonderful experience! Claims are easy to file and are processed quickly! I would recommend Trupanion to everyone. Gives u a great piece of mind. Thanks Trupanion!

    ...

  • author
    Dawn Forbes
    Oct 18, 2021
    Thankful

    Thankfully, I have not had to use my benefits, but just having the peace of mind knowing that my furbaby will be taken care of if the need ever arises makes me happy.

    ...

  • author
    Thomas Cormier
    Oct 18, 2021
    Trupanion is an awesome insurance I use…

    Trupanion is an awesome insurance I use all the time, love it..my pup loves the care Trupanion gives here. very affordable also. I never have had a problem with Trupanion. will always use this insurance. thank you Trupanion!!

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  • author
    Maria Claudia Cabal
    Oct 18, 2021
    Son los mejores...!!!

    Son los mejores... gracias por su excelente servicio y atención..!!! 👍🏻

    ...

  • author
    Sandi Horak
    Oct 19, 2021
    I really like Trupanion

    I love everything each person I spoke with very helpful and caring. We appreciate everyone of you Thank you for all your help. George love everything about u

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  • author
    Lynn Lindner
    Oct 17, 2021
    Trupanion has the best insurance

    Trupanion has the best and most comforting employees. In July we discovered our dog Mishka had cancer. We had only had the insurance for about eight months, but the policy we had paid 90% of all her bills. Customer Service were the most thoughtful and comforting people and made sure we were able to get Mishka the treatment she needed. I tell everyone I know about Trupanion's caring.

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  • author
    Cynthia Wachtman
    Oct 17, 2021
    #WithTrupanion

    #WithTrupanion I feel good about Trupanion insurance coverage for my Holiday girl. I didn't ever want to be faced with having to make a decision about her care that wouldn't be what I would want for myself. I sleep better knowing that if something happened to her, that I have the support of Trupanion and am able to give her the best care available. I did much research and found for me, that Trupanion offered the best quality insurance available for my German Shepherd, Holiday. Thank You, Trupanion. #WithTrupanion

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  • author
    Tomo Tom
    Oct 17, 2021
    The best of the best,thanks for…

    The best of the best,thanks for everrything!!!

    ...

  • author
    Edward T Mulrenin
    Oct 17, 2021
    On the road with Donner, and Trupanio!

    On October 30, 2015, while I was still grieving the loss of my beloved dog Erde three weeks before, as I was preparing to leave for the train from Washington DC to NYC to see some shows for a long weekend before I got a new dog, I glanced at my Facebook page, where I saw a posting about a German shepherd dog named Thunder whose time in time in the LA shelter was up that night. After watching Thunder’s three-minute posting, I immediately tossed the ticket to NYC in the trash can, caught a cab to Dulles airport, and then flew to Los Angeles on the next flight out to rescue him, renaming him Donner, which is German for Thunder. When I got Donner home and took him to the vets, his vet recommended that I take out a policy with Trupanion. Although I was skeptical, I did. Since then, Donner has gone from being tethered for his first four years in several LA back yards to road camping trips across North America, including the Arctic in Alaska to Acacia, Denali, Yellowstone, Redwoods, Death Valley, Yosemite, Grand Canyon, Zion, and Arches national parks, and many, many more places in between. But Donner has not been without his problems along the way. But each time there was a problem, Trupanion has been there to help me make sure this beloved dog of mine had his problems solved so he could enjoy the life he is entitled to and was destined to live. I cannot recommend enough to just about every dog guardian I meet that getting a suitable policy with Trupanion is as essential as making sure their dogs are fed, sheltered, and exercised properly. It is one of the best decisions I made in recent years, second only to rescuing Donner. You can read about Donner’s trips and new life on my blog for my trips. I mean it when I say that these trips would not have taken place if I never got that insurance policy for Donner.

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  • author
    Gail Stewart
    Oct 17, 2021
    My baby Abby was very sick

    My baby Abby was very sick when she was 7 months, and again after she was a year old. Trupanion didn't ask any questions, they worked with the vet if needed to and they did a direct deposit into my checking account! They paid 100% best insurance you can have on a pet and very inexpensive!

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  • author
    Karen Martin
    Oct 17, 2021
    I sleep better with Trupanion

    I use Trupanion because i know they will cover anything that happens!! It allows me to sleep better knowing my pup is covered

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  • author
    BILL BLACKWELL
    Oct 16, 2021
    We have had Trupaion from the start.

    We have had Trupaion from the start. Our dog is 12 now and because from experience we know the value of having health insurance for our pets. We have had many medical issues and Trupanion has been there for us. I would advise any one when you get a pet get insurance for them.

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  • author
    Randy
    Oct 16, 2021
    Best pet insurance out there and I…

    Best pet insurance out there and I especially like how vet bills the insurance directly for payment

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  • author
    Sarina Germuth
    Oct 16, 2021
    The unknowns are out there!

    The unknowns are out there! One never knows what happens tomorrow. I have registered all 3 of my dogs and one kitten. One of my dogs is a purebred and the other two were from our local humane shelter. To be honest I thought if I needed insurance I might require it for my purebred Akita. Probably because many years ago I had to sent an Akita to the Saskatoon Veterinary University for a total hip replacement and had no pet insurance. That wasn't going to happen to me again! Well, wouldn't you know it, it was one my pound pups who needed two TPLO surgeries. This is a very expensive surgery and even more so when you do not live close to any of the specialists who can do this type of surgery. Having this insurance for a mixed breed has been such a relief. The thought that I would have to put him down soon due to the pain he was and would be experiencing more, was of course troublesome. Then one remembers, hey I have insurance and make the phone call to enquire. You can't imagine the stress being relieved to know that you are able to get financial help! I will continue to always do Trupanion pet insurance because, you never know what happens tomorrow and it is worth it in so many ways.

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  • author
    BRIAN
    Oct 16, 2021
    I would not be without this insurance

    I would not be without this insurance. It has saved us thousands of dollars

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  • author
    Debra Banfield Potter
    Oct 16, 2021
    My husband and I love trupanion for our…

    My husband and I love trupanion for our cat because they are reasonable priced and they make us feel comfortable with them. They also are very helpful and caring people.

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  • author
    Michelle Dorey
    Oct 16, 2021
    I have had Trupanion insurance for Kali…

    I have had Trupanion insurance for Kali since she came home with me at 8 weeks old. I have put in claims for minor things and have never had any issues with them. I have peace of mind knowing whether its minor or major medical issues Trupanion has our back! And I love that its for more than medical as well!!

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  • author
    Laura Hunter
    Oct 16, 2021
    Trupanion is user friendly and has…

    Trupanion is user friendly and has supportive customer service representatives. Trupanion came through when we were facing a very expensive hospital surgery for a congenital birth defect for our dog. Luckily we elected to not have it done but the peace of mind that trupanion coverage was there was priceless.

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  • author
    Alaina
    Oct 16, 2021
    The best thing you can do for your pet

    We started with Trupanion seven years ago. Seven years we went without so much as a medication claim. This year my sweet boy Miller was experiencing lameness which after many many medical visits and tests, turned out to be cancer. Trupanion was the best choice we ever made. He was seen by 3 different vets, he had multiple rounds of xrays and blood work, an ultrasound, a CT scan, MRI, a spinal tap, chemo therapy, and a week in intensive care at the hospital. We exhausted the hospitals diagnostic and treatment options, and we were able to give him the BEST care and ALL of the treatment options without having to worry about the financial side of pet care because of Trupanion. It didn’t matter if I called at 6AM or 11PM someone who genuinely cared always answered and I never waited more then 5 minutes on hold. They helped me submit preapprovals so I always knew I was covered, and they very promptly paid the balance afterwards. They made such a difficult and emotional situation soo much easier by removing the stress of payments. Unfortunately he did not win his battle with cancer, but he had the absolute best care, and that includes his insurance. Not only do I tell everyone who will listen that they MUST have pet insurance, I tell them they need Trupanion. It was the best decision we made for our pet, and I hope others make the same choice.

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  • author
    Al Boulianne
    Oct 16, 2021
    Peace of mine for our loving pet

    Peace of mine for our loving pet. Always a phone call away and ready to help.

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  • author
    Nickie Yates
    Oct 16, 2021
    Sweet, Sweet the Memories she gives to us

    Our 13 year old Tucker has been covered by Trupanion since day one when we rescued her as a puppy. She has been through numerous surgeries and has had a variety of medical issues. Knowing Trupanion was there to support us financially, we have always been able to get her the best of care. They have always been responsive in a timely manner. We always recommend them when asked.

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  • author
    Cynthia Greaney
    Oct 16, 2021
    Easy claim process and the customer…

    Easy claim process and the customer service representatives are so helpful. I had benefits I did not realize and they helped me recover over a thousand dollars. I highly recommend them

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  • author
    Tonie Carreiro
    Oct 16, 2021
    Best pet insurance company ever and…

    Best pet insurance company ever and I’ve tried a few!

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  • author
    Christie
    Oct 16, 2021
    Best pet insurance ever

    We've had pet insurance in the past for a prior dog that exceeded the limit and we had to put our dog down. We researched pet insurance when we purchased our 2 new pups and without it both our dogs would have been put down due to costs. We love Trupanion!

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  • author
    Eric Wilmeth
    Oct 16, 2021
    Trupanion's great coverage for all our pets

    Trupanion throughout the years has always responded to all five of our pets' (cats and dogs) medical needs in a timely and professional way ensuring a seamless coverage and reimbursement plan. We highly recommend Trupanion to everyone.

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  • author
    Teresa Mirabelli
    Oct 16, 2021
    We have Trupanion for our Havanese dog Daisy

    We have Trupanion for our dog Daisy. They are responsive to our need, easy to work with and gives us great peace of mind to have our dog insured with them!

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  • author
    CAROL H.
    Oct 16, 2021
    Excellent service.

    Excellent service. The people who work here truely care about your pets . It is quite refreshing .

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  • author
    Consumer
    Oct 15, 2021
    My SPCA Special Little Girl. My 8 year female spayed dog Raven was…

    My 8 year female spayed dog Raven was rushed into a speciality vet clinic in St. John’s, Newfoundland. I was told by her vet to take her to the speciality clinic right away because her symptoms that I observed and described over the phone was an emergency. She had a rapid heart rate, white gums and was very tired. She was diagnosed within the hour with autoimmune hemolytic anemia. Normal hemoglobin in dogs is anywhere from 35-55%, Raven’s hemoglobin was 8%. I was told the she would fit into 3 equations. 1/3 would not make it out of hospital. 1/3 would make it out of hospital but relapse. 1/3 would do okay after treatment and probably lifetime of steroids to stop the immune system from killing the red blood cells. Trupanion was notified right away and within minutes I was getting emails that they would review her diagnosis and get back to me. I was getting emails throughout the day from Trupanion that everything was being taken care of minus my deductible. I immediately felt as they were part of the team taking care of Raven and myself. After two blood transfusions, exrays, ultrasounds and many blood checks, Raven was allowed to go home after spending 5 days at the clinic. Her hemoglobin is getting back to normal and will have to be checked again next week. Her appetite with an appetite stimulant is doing fabulously after having anorexia for days before being seen by the vet and she is getting 2 different steroids and antibiotics for a small cough she got while being treated. I’m cautiously optimistic about Raven’s future and with Trupanion insurance, I know if I have to let her go, it won’t because of her bills getting out of hand.

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  • author
    Carolyn Milbury
    Oct 15, 2021
    I have always received friendly service…

    I have always received friendly service at my time of needing questions answered and changes made to my policy. I totally recommend Trupanion for Pet Insurance

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  • author
    Jane Monhart
    Oct 15, 2021
    Wonderful Experience With Trupanion

    I highly recommend Trupanion to pet owners who wish to have health insurance for their pet. Medical care for animals can get very expensive. I recently had to have several tests, including an MRI, for my dog and Trupanion covered much of the cost. Trupanion also responded very quickly to the claim. I have also found Trupanion customer service representatives to be very responsive and helpful with information whenever I have talked to them.

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  • author
    Mary Nowak
    Oct 15, 2021
    So grateful

    We are so, so grateful for Trupanion. Our dog has required somewhat regular medical care throughout his life and thanks to Trupanion, we've never had to worry about whether we could afford his medication or vet visits. Our claims have always been processed quickly and the coverage has always been excellent. He recently developed a very severe, life-threatening reaction to one of his medications, which required a $10k+ hospitalization. It was the scariest, saddest time for us and it was such a relief that we could just say yes to getting him the care he needed without worrying about the cost. He's the light of our lives and it means so much to us that we can count on Trupanion to help us take care of him.

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  • author
    Laura Lawhon-Butler
    Oct 15, 2021
    We have all of our pets insured

    We have all of our pets insured under Trupanion. What I like most is there is no lifetime limit on amounts paid to Veterinarians. The next thing that impressed me is that once your pet is diagnosed with a malady the meter starts ticking towards your lifetime deductible on this particular diagnosis. My Shitzu had a problem that required surgery. The deductible was fair. I paid the vet then submitted the invoice to Trupanion within days I was reimbursed. There are some vets you can chose who will submit right to Trupanion but my vet is not one of them. Based on my experience with Trupanion we are here for life.

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  • author
    pack97
    Oct 15, 2021
    outstanding

    I have always had immediate response to my claims and questions. Extremely helpful and would highly recommend to anyone with pets.

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  • author
    LISA WISH
    Oct 15, 2021
    Chloe (my mixed breed rescue dog)

    I have had my dog insured through Trupanion since I rescued her at 4 mos. Thankfully she is healthy & will be 7 yrs old next month. It is comforting to know that I have insurance for her, in the event I need it.

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  • author
    Rose
    Oct 15, 2021
    My dog Harry is my best bud

    My dog Harry is my best bud! He is insured with Truepanion since he is 2 months old and although, thank God, he hasn’t been sick or had any accident, it really makes me feel assured that if anything would happen to Harry, Truepanion would be there for us. I have seen people put their dog down because they couldn’t afford the vet’s bills. I can’t imagine having to take that decision. What it cost me per month for having my dog insured with Truepanion is less than a lunch at a restaurant and my Harry is worth much more than this. ❤️🐾

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  • author
    Leona Kucharski
    Oct 15, 2021
    Trupanion Rocks

    Hi I’ve had Trupanion for 1 yr now! Our vet takes trupanion payments and i only pay the small deductible! They have stayed in touch asking if anything was needed for my pups well being!

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  • author
    Y. Cotto
    Oct 15, 2021
    I love Trupanion because…

    I love Trupanion because it offers me the assurance that in an emergency my pet's health will not be affected by financial limitations. Although claims for reimbursement sometimes take too long.

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  • author
    Sharon G. Aubuchon
    Oct 15, 2021
    Love Trupanion

    Love Trupanion. They have saved me thousands! #withtrupanion

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  • author
    tom mathews
    Oct 14, 2021
    My experience with TruPanion was Great!

    My experience with TruPanion was great! My dog, Peanut, needed surgery which was to cost about $5,000. The day after I paid the veterinary hospital, the total amount less my deductible was in my checking account! Very efficient-highly recommend!

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  • author
    steve giroux
    Oct 14, 2021
    I was glad to have pet insurance to…

    I was glad to have pet insurance to cover my dogs accident. No hassle just fill out form fax in through vet store you pay and in return you get 700 dollar deductible claim do it was worth it for me and my dog Lucy.

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  • author
    Jalen Taylor
    Oct 14, 2021
    Trupanion is the best pet insurance…

    Trupanion is the best pet insurance hands down number 1 !

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  • author
    Mary R.
    Oct 14, 2021
    BUY your pet Trupanion insurance! You won’t regret it!

    I truly praise your company for handling my dog, Cali-CO’s injury so quickly. I purchased the insurance immediately when I bought my Caucasian Ovcharka, Cali-CO. Her parents were very big and I worried about her hips. She always seemed rather weak in her backend, but one day she began limping. We took her to our vet, whom is an Ortho specialist. She tore her ACL in her right knee. This is a tough road for my big girl, but we pray she gets thru these challenging days. Trupanion paid 90% of the bill…$9,100.00. I’m so grateful to have purchased this insurance and recommend everyone who has a dog to buy it because you never know when you might have an issue. Other insurance has maximum lifetime payouts. Not Trupanion! Thank you. Mary R

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  • author
    Ginger Kloppenberg
    Oct 14, 2021
    Happy with Trupanion

    We are so happy to have Trupanion in our corner. They are easy to talk with and quick to help us solve any problems we may have. With Trupanion having SC00TER'S back, we feel at easy with any situation that may show up. Thank you to the staff, for your kindness. .SCOOTER (KING CHARLES CAVALIER) MALE B/D 09/25/2020

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  • author
    Kristine Lee
    Oct 13, 2021
    Very best customer and pet service!

    Very best customer and pet service! So caring and helpful every single tine I have needed to contact Trupanion regarding our yellow English Lab WYATT

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  • author
    Mike Jones
    Oct 13, 2021
    Thank You Trupanion!!!

    Recently our little fur baby a ten year old Coton de touleir, cross became seriously ill. Over a period of a month and a half we had him in to see a vet on an emergency basis for a variety of reasons with regard to his digestion. There were marginal improvements, but with each treatment, new issues would spring up culminating an extreme case of bloating, putting stress on his breathing and his heart. An emergency trip to a specialist veterinary hospital a few hundred miles away was necessary in order to save him. Trupanion immediately preapproved $10,000 in treatment costs for multiple tests and necessary treatments. There were many complications and his prognosis was guarded, We were preparing for the worst. With the expertise of these doctors, we have our fur baby back home and he is doing very well and slowly regaining the weight he lost. The total bill for his treatment was over $7,500 for this visit combined with about another $2,500 from the previous vet visits for a total of aproximately $10,000. Had it not been for Trupanion we would not have our beloved companion today. I can not thank the doctors and of course Trupanion for making it possible to have our baby back for hopefully many more years

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  • author
    Gerry and Rich M
    Oct 13, 2021
    With having 3 cats insurance is a must…

    With having 3 cats insurance is a must & Trupanion has been there every step of the way. 2 years ago finding out one cat had hyperthyroidism & we were able to give him the best treatment with Trupanion’s help as well as their fantastic humans interactions at the other end of the line. That cat is healthy today. A month ago our middle one was diagnosed with diabetes & that comes with many obstacles & many expenses trying to manage & figure out what works. TruPanion has been nothing, but amazing throughout the process. Easy vet/pharmacy submittals, fast approval of covered services/treatments/meds & lightning fast reimbursement. And if I had a question I got a fantastic lady on the phone who absolutely made the stressful times we’re in feel like a walk in the park. I could not have asked for a better partner in the need of our pets when it counts. Thank you TruPanion wholeheartedly.

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  • author
    Janice Barrieau
    Oct 13, 2021
    just knowing that we have insurance for…

    just knowing that we have insurance for Marly gives us a piece of mind

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  • author
    customer
    Oct 13, 2021
    Our sweet boy Benny

    Benny was Born on March 29, 2021 so when we received him on May the 21 we signed up with Trupanion because we heard nothing but great reviews about this company. So glad we did because last week he eat through a wire and needed X-ray and 3 different kinds of medication. Instead of breaking the bank the costs was minimal and I was grateful for the concern and compassion their representative shown to us and Benny. I would highly recommend having Pet Insurance with Trupanion. The claim process is excellent and fast, and having to only pay your percentage is awesome. Benny is on the mend now, thankfully! Thank you Trupanion

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  • author
    Joleen
    Oct 13, 2021
    Having Pet insurance has made those…

    Having Pet insurance has made those emergency decisions a lot easier when you know Trupanion’s got you covered. I couldn’t imagine not having pet insurance. And also that most vet clinics will do direct billing for you.

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  • author
    Roger Doucet
    Oct 12, 2021
    I love not having to worry to about my…

    I love not having to worry to about my dog, if something happens she is covered and I won't have extremely high vet bills. This is a must if you are a pet owner.

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  • author
    Samantha Kraft
    Oct 12, 2021
    Terrible insurance

    In response to this: Thank you for reaching out, Samantha. We understand you have some concerns and we hope to offer information here that may help when looking over your coverage. We want to assure you that we review all claims and deductibles according to a pet’s medical records from their vet. And while we can’t help with illnesses or injuries that start before a pet’s plan does, this won’t affect their coverage for new and unrelated things that might come up in the future. If something is covered and once the deductible is met, we can help with related treatments without any caps or limits for life. Our team is always here to talk through your claims and coverage in more detail, and we’d like to offer any support or clarification we can. Please give us a call – we’re available 24/7 at (855)210-8746. Take care, The Trupanion Team For my personal situation, my dog's illness began during your 30 day waiting period - other insurances only have a 14 day waiting period. Also, your insurance company counts EVERY single illness as a separate illness - even if it's for the same issue. Your insurance DOES NOT cover things appropriately. Lastly, when speaking with your team, I have not spoken with someone who is willing to actually listen to my frustration OR suggest any resolution. I have been told that "this is how it is AND we aren't going to fix anything" even after one of your employees told me that something would be covered and then another one told me that it wouldn't be covered. This insurance is awful - it is a scam to collect money.

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  • author
    Vera Groen
    Oct 12, 2021
    The invisible friend

    I have Trupanion insurance on all three of my animals. Two cats and our Loki, who is a pure bred Yorkie. You don’t think insurance until you are standing at the Vets office. Then Trupanion is there for you to help pay the bills. It’s your friend always there to help!

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  • author
    Carina Jardine
    Oct 12, 2021
    We have had our puppy Riley for 3…

    We have had our puppy Riley for 3 years. When she was little she had several ear infections. Trupanion was great with regards to helping with our costs.

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  • author
    Sherry Starkey
    Oct 12, 2021
    We absolutely love Trupanion!!

    We absolutely love Trupanion!!! They are always there for our pup when needed. No run around no hidden costs! Thank you

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  • author
    D Dennis
    Oct 12, 2021
    This was my first time filing a claim…

    This was my first time filing a claim so I was thinking this is going to be a long difficult process. However, it turned out to be a great efficient process. I would recommend to others.

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  • author
    Julie No
    Oct 11, 2021
    My Lily has been diagnosed the Cushing…

    My Lily has been diagnosed the Cushing Disease since May. Without Trupanion’s support, it would have been difficult time. However, it’s faster service, easy claim and excellent customer services make my heart feeling safe. I truly appreciate all!!

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  • author
    Kathy
    Oct 11, 2021
    Millie, our King Charles Cavalier Spaniel <3

    We love our Millie, and would do anything to keep her healthy and active. We appreciate Trupanion and the coverage we enjoy. I've seen many people saying that pet insurance is a waste of money, and that it would be better to put that money aside monthly for future needs....but, as I'm sure that is a good plan, I'm also sure we wouldn't do that faithfully. And, considering today's average costs, it would take months or even years to save up enough for one serious operation. We are confident we made the right choice.

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  • author
    Alan Johnson
    Oct 11, 2021
    Helpful

    Wonderful customer support. Made it easy to get started.

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  • author
    Linda
    Oct 11, 2021
    Great peace of mind knowing that Slash…

    Great peace of mind knowing that Slash has medical insurance coverage. Worth every cent.

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  • author
    Samantha Kraft
    Oct 10, 2021
    WORST INSURANCE EVER.

    If I could give zero stars I would - horrible insurance - does not cover ANYTHING. All of the other people's complaints are valid. They label everything as pre-existing and say that each separate incident is a "different medical condition". It is an absolute scam. DO NOT GET.

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  • author
    Michael Catanzaro
    Oct 10, 2021
    Best Coverage Ever

    I have been with Trupanion for a while taking care of my two Yokies. Trupanion has always been there for me. All the calls over the years. Everyone was happy to help me with all my questions. Trupanion is the best pet insurance you can have. Give them a try you won’t be disappointed.

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  • author
    Karen Renee
    Oct 10, 2021
    Thank you for who you are and all you do!

    I LOVE TRUPANION because they help absorb medical costs so I am able give my little furbaby what she needs to live a long healthy life!!! Ulla has been diagnosed with allergies, cataracts, and cushings. Without Trupanion I don’t think I could have given her all the medical treatment and recurring medications she has needed over the years. Because of Trupanion and the help of my wonderful Veterinarian Dr Brittany Anderson, Ulla is living a healthy Senior Life!! She is 14 and still acts and looks like a puppy! Thanks Trupanion for helping me be able to afford the health care she needs, now and for many years to come. If you don’t have health insurance for your furbaby call Trupanion. They are affordable and love helping pets live a long healthy life. Thank you Trupanion!!! #withTrupanion

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  • author
    Deb Flynn
    Oct 10, 2021
    As seniors we love Trupanion

    As seniors we love Trupanion. Our vet recommended them, they complete the paper work, and Trupanion pays them. Easy.

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