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Trupanion Review

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Reviews 3,207

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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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AverageReviews 3,207
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  • author
    Randi Konner
    5 hours ago
    How much do you love your pet?

    My previous sweet Maltese (who passed away very young) and current Maltese are both insured by Trupanion. Trupanion made it extremely easy to file a claim, and either approved the claim and paid the vet at checkout or sent out a check within days. I have friends who use other insurers but none have the coverage and responsiveness of Trupanion. You can have peace of mind knowing your pet's bills won't bankrupt you and prevent you from seeking proper treatment when necessary. If you care for your pet like you care for yourself, you'll choose Trupanion.

    ...

  • author
    David Luria
    9 hours ago
    Superior service

    Superior service! I called at 7 A.M. and spoke to a person immediately. Claims are paid promptly.

    ...

  • author
    Kathy Whitley
    12 hours ago
    Trupanion extended my dog's life.…

    Trupanion was absolutely wonderful with a previous dog that I owned. They paid claims in a timely manner & lived up to their 90% policy on pet medications. My Pomeranian lived almost 5 years longer because I had financial help from this insurance company. I can't say enough good things about Trupanion. I highly recommend this company.

    ...

  • author
    Yana Bojadschijew
    13 hours ago
    Grateful!

    My Gigi had unexpected issues with anemia, then surgery, and finally complications from the surgery. Everything in total was almost $27,000. I was nervous because even though I had insurance through Trupanion, I wondered if they would really cover 90% as they stated. Either way they did cover 90% of all costs of her needed hospitalization stay. This is by far the best company to have. They will give you back 90% after your deductible for each condition if it is not a pre-existing condition. I would highly advise anyone who has an animal to get insurance through Trupanion. They have helped me with so much! I am grateful to have them. I will continue to use them as I know I can trust them. Yana B.

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  • author
    McCallum
    16 hours ago
    Thank you, Trupanion!

    Great quick service. Very kind and supportive. Highly recommend!

    ...

  • author
    Doug Davis
    18 hours ago
    Trupanion stacks up very well to other…

    Trupanion stacks up very well to other pet insurance companies when options and prices are considered. They were recommended by my breeder and vet. I just had questions about the need for pet insurance and still do. However, mosty people will do everything possible to treat their pet, snd treatment can get expensive.

    ...

  • author
    Gena
    20 hours ago
    I've had Trupanion for the nine years…

    I've had Trupanion for the nine years I've had my dog. This is a very stressful time as her health issues worsen and our vet bills are becoming a financial burden. It was so nice to deal with someone that was able to help me guide me through the process. One less thing for me to worry about.

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  • author
    Kathy Rago
    a day ago
    Affordable deductibles and coverage

    My rescue gave 1 month free trial. My vet and staff said Trupanion was the best coverage as they have seen first hand many costly procedures. After reviewing the plans, pricing and various deductibles available, I signed up for continued coverage. It was fast and easy to do.

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  • author
    Laura Salerno
    a day ago
    Really helpful and knowledgeable.

    Really helpful and knowledgeable. Made my decision easier. Laura

    ...

  • author
    Betty Breschard Kubilus
    a day ago
    Customer service is excellent

    Customer service is excellent. Good coverage.

    ...

  • author
    Karen Fitzpatrick
    a day ago
    Had a question regrading an up coming…

    Had a question regrading an up coming procedure for my dog. Amy was very helpful, explained everything and sent me forms so I could look them over for pre-approval however after speaking with my clinic they actually have and will send the forms to Trupanion. So I won't have to worry about anything except my girls recovery.

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  • author
    Linda Kelly
    a day ago
    Trupanion is an amazing company with…

    Trupanion is an amazing company with wonderfully empathetic, efficient employees. Their response time and coverages are beyond compare! I have been with them since 2015 and both times I have needed their services, they completely satisfied all my concerns.

    ...

  • author
    Lindsay Willingham
    2 days ago
    Policy is easy to understand

    Policy is easy to understand. I got great coverage at my price point. They are very helpful.

    ...

  • author
    Emelen Miller
    2 days ago
    Highly recommend!

    Policy is reasonably priced and easy to understand. Staff is fast, friendly, and helpful. Claims process is also fast. Would highly recommend!

    ...

  • author
    Jen
    3 days ago
    Amazing customer service

    The lady that helped me pick the right plan for my boy Lincoln was extremely helpful! I have yet to use any of Trupanions services (knock on wood) but by all the other reviews, I’m sure we will be looked after just like as if Lincoln was their own pet.

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  • author
    Elyse Jo
    3 days ago
    Great customer service!

    Zach was super helpful in helping me get started! He even called me back multiple times, when we would randomly get disconnected. I never felt pushed to buy a certain package and all questions were answered kindly and confidently. Thankfully haven't had to use their services yet, but great customer service!

    ...

  • author
    Syed Qadri
    4 days ago
    I’m very pleased with Trupanion…

    I’m very pleased with Trupanion insurance for my both kittens. Excellent communication between hospitals/ clinic and Trupanion. I would highly recommend this Insurance to all.

    ...

  • author
    Nikki
    4 days ago
    Excellent

    Excellent! Trupanion goes above and beyond. I have had nothing but the most kind and helpful experiences. From getting information to becoming a member to even going through the loss of a furry family member. Along with the wonderful customer service I am very happy with how easy the website works. Call times are fast. CSR's are caring. The sms text service is great. Trupanion is highly recommended.

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  • author
    Lea M
    Jul 20, 2021
    Amazing customer service

    Kelsey was absolutely amazing! She explained everything so thoroughly and was delightfully pleasant and helpful!

    ...

  • author
    Brenda
    Jul 20, 2021
    Trupanion has been terrific for us

    Trupanion has been terrific for us. Our dog has been in and out of care facilities for 6 weeks. They were always prompt to reply and provide information on what would / would not be covered so we could make decisions based on what was best, medically, for our dog knowing that the finances would be taken care of. It is surprising how quickly the medical bills can pile up just for testing, diagnostics, etc. to determine what may be wrong with a pet. We were so grateful we had Trupanion to support us. When we told our vet and the pet hospitals that we were insured with Trupanion they all said "Trupanion is great about covering costs". Thank you.

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  • author
    Patricia Clark
    Jul 20, 2021
    Trupanion was there for us during our…

    Trupanion was there for us during our difficult time with our baby.

    ...

  • author
    JOYCE SCHAAF
    Jul 20, 2021
    Help for my French Bulldog puppy…

    When I received my French Bulldog puppy something told me to get insurance. With the help of the breeder, I chose Trupanion. Little did I know that she would have allergies and stomach problems. Trupanion has never questioned a claim and have paid as they said they would. I can't see myself with any other Pet Insurance company.

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  • author
    debbie k
    Jul 19, 2021
    Debbie K.

    Debbie K. I called my dog Veterinarian to see who he recomends for Pet Insurance. He gave me several different Insurance but after reading all I decided to choose Truepanion. I called for information and Ellen Ulrich answered. She was friendly and explained everything then patiently answered all my questions. I decided to sign up my dog and Ellen made signing up stress free. I like that Trupanion is available 24/7 so I can call anytime. My dog is now in the caring hands and loving hearts of Trupanion. Thank you.

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  • author
    Manali Arimi
    Jul 19, 2021
    I can’t thank Trupanion enough for what…

    I can’t thank Trupanion enough for what they do! Very fast processing of the claims and very fair! Most insurance companies think of the money first but I believe that Trupanion has my dog’s best interest in mind! Thank you for a great service each and every time! You guys don’t disappoint!

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  • author
    Mary Mike
    Jul 18, 2021
    Total Scam

    Your Insurance and Coverage is a total scam. I am backing up with Data. So far my monthly payment for Trupanion = $2,978.02 Total Claim Amount Filed =$4,167.04 Total Amount Received = $959.31 Going by the data - I paid $2000 more to Trupanion. This is not trupanion - you should be called 'Scampanion'.

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  • author
    Lestat
    Jul 18, 2021
    Trupanion cares about your furbaby family!

    Trupanion has the best customer service! During these times, if you need more time to pay your monthly charges, they’ll work with you. I would have given 5 stars, but my only issue is that they don’t cover wellness visits, exams, teeth cleaning. I’ve checked out what’s on the market & many insurance companies cover those. I hope that Trupanion reconsiders the coverage to remain competitive.

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  • author
    Gary Carter
    Jul 18, 2021
    Helping Mac Get Well

    Just took Mac my Shih Poo into the vet for neck pain. Trupanion covered their portion of the bill by the time I returned home. One less thing to worry about.

    ...

  • author
    Sunshine
    Jul 18, 2021
    I signed up when I got my fur baby

    I signed up when I got my new puppy. It was very easy to sign up. They lady was very helpful, polite and explained everything to me in a way it was understandable. She got me the plan that suited our family the best. It’s good to know that if anything happened to our fur baby there are companies there to help look out for our other family member.

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  • author
    Carmen Gaines
    Jul 18, 2021
    Excellent service

    The services are great and reasonable!!

    ...

  • author
    Christopher
    Jul 17, 2021
    A veterinarian friend recommended insurance and I'm so glad I got it!

    Years ago a veterinarian friend spoke about the agony vet Dr.s face when pet owners can't afford a life-saving medical procedure and have to have them euthanized. She reminded me that a veterinarian's entire focus is on saving lives, not taking lives and she wished that everyone would get medical insurance for their pets. I determined then that we would have it for our next dog, a border collie. We have had many of these tireless dogs and we were shaken to learn that at just eight years old, Jack had osteo-arthritis in his hips, despite careful breeding. The expense of the treatment and medications he has already required would seriously strain our budget today, and the costs are only going to increase as he ages. Buying Trupanion insurance for him as a puppy has turned out to be one of the best decisions ever, and the Trupanion service is exceptional. They are always available and understanding when you call, and claims are easy to submit and processed promptly. I urge every pet owner to buy medical insurance and I'd also recommend getting it from Trupanion.

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  • author
    Nancy Klei
    Jul 17, 2021
    Trupanion is Fabulous! Five +++ stars!

    Trupanion is Fabulous!! I would give more than five stars if they allowed for it!! :)) I wish they provided health insurance for humans!! They have been very reachable (remarkable in this day and age!) and easy to deal with; kind and compassionate about the condition of my fur babies; efficient and professional in handling claims; and really quick in replying with the final claim analysis and outcome! Having Trupanion is a comfort knowing that even though I'd spend what it takes to help make my fur babies well, it is a relief and comfort knowing they cover and provide payment for a large portion of the medical costs. Thank you sooooo much, Trupanion!!

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  • author
    Annaleen Lord
    Jul 17, 2021
    Get Trupanion now

    I had two issues with Bentley within a short period of time and Trupanion really came through and settled our claims within a short period of time. In my opinion there’s nothing better out there. New puppy? Get Trupanion now. You never know what can come up.

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  • author
    Melanie Bowbell
    Jul 17, 2021
    Trupanion is amazing and a must for pet owners

    Trupanion has been amazing and I’m so grateful I have it for all my pets. One of my cats recently went through a bad illness for 3 months. Stopped eating, vomiting, lethargic. I was able to take her to see an internal medicine specialist because I had Trupanion coverage. They did emergency surgery on her to remove a cancerous tumor in her intestine. Now she is on chemo. She is doing amazingly well. Thanks to amazing medical staff and Trupanion she is alive. Having Trupanion coverage lessens the stress of caring for a beloved pet when they are ill and lessens the stress for medical professionals too when caring for your pet. They can focus on saving pets instead of how to tell you what it’s going to cost in a digestible way so no one gets upset. I deeply recommend this coverage to pet owners. I had a healthy cat all her life and didn’t see this illness coming. Trupanion helped me manage everything stress free financially.

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  • author
    Irene S.
    Jul 16, 2021
    I'm happy to have the coverage

    I'm happy to have the coverage, it has come in handy when I have had to take Jozie to the emrgency because I thought she was having a small seizure. Even with all the tests no one could tell me for sure why she was having these issues. Now her sister Bella is haing the same issue. So we well see what happens. Thank you for your support

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  • author
    Eva Saks
    Jul 16, 2021
    This is as good as it gets

    This is as good as it gets. Very nice people, generally very prompt. Sometimes make mistakes but that's normal.

    ...

  • author
    Krakatoa Apocalypse
    Jul 16, 2021
    Happy with the service

    Well, to put it simply, I got covered for whatever that was applicable as per my deductible and I was happy about it. The invoice was sent by my vet right after my cat’s surgery, I got the usual text from Trupanion assuring they received it and are reviewing it and I got my refund deposited into my account the very next day. No complaints thus far.

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  • author
    Katherine
    Jul 15, 2021
    I have had Trupanion insurance for the…

    I have had Trupanion insurance for the last 20 + years. This company is amazing! I’m sure they have lost money on my animals. They have paid out tens of thousands of dollars over the years. They are responsive and very efficient and let you know every step of the way that your claim is being processed. Payment is usually received in just a couple of days. I wouldn’t be able to afford all my animals’ care if I didn’t have Trupanion. I’m very grateful.

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  • author
    Franklin Kirschner
    Jul 15, 2021
    Great service!

    Great service!

    ...

  • author
    Daniel Doiron
    Jul 15, 2021
    Trupanion's top skill is denying claims…

    Trupanion's top skill is denying claims and the stalling for months with their claim process. They denied an ear infection claim for our dog calling it a "pre-existing condition". Stay away from this company at all cost.

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  • author
    Wayne Peck
    Jul 14, 2021
    Trupanion ripped me off

    Trupanion will deny your claims and rip you off. I bought the insurance for my dog Bruce when I got him. It turns out that he had aggression and behavior issues. Lucky for me that Trupanion covers that! Only they didn’t. They repeatedly denied claims. I was told that I need to get approval for a vet for Bruce to receive behavior modification training, which I did. They denied the claim and told me that he had to be under the direct supervision of behavior modification licensed vet. That service does not exist in Austin or anywhere nearby. Terrible service. They will take your money and do everything in their power not to pay out a claim. Run away from this company! Set aside the money yourself…. That is far more useful than this service.

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  • author
    Sean McCarron
    Jul 14, 2021
    Overnight canoe trip turns toxic: Trupanion to the rescue!

    Our puppy consumed something toxic while we were 4-5hrs away from civilization and on an overnight canoe trip. After seeing the vet at midnight, I called Trupanion to begin the claim process. The person we spoke with on the phone was patient, understanding, and very confident that we wouldn't have any issues. In the end, she was right. The only complication was due to a mistake on the vet's side when they tried to make the claim from the office directly. When I realized things were amiss, I called Trupanion back and it was remedied very promptly. I am extremely happy with having pet insurance. Yes, we pay for it monthly, but the cost of the premiums have already been worth it just one year into having our new pup in our lives.

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  • author
    Kim Moseley
    Jul 14, 2021
    Whenever I have a question

    Whenever I have a question, customer service always answers with patience and kindness. I am so glad that I purchased this insurance as soon as I got my Havenese. Phoebe is having problems with her spine and neck and every time I file for my insurance, I always receive an email that tells me that they will take care of my filing and to sit back, and relax. I don’t know what I would have done without these great people and their wonderful pet insurance

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  • author
    Sheri Lehn
    Jul 14, 2021
    It’s scary when your best friend starts…

    It’s scary when your best friend starts to signs of old age. I’m so grateful that my Trupanion rep assured me that help was on the way! ❤️

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  • author
    Cindy
    Jul 13, 2021
    Trupanion is the Best

    Trupanion is the Best. My puppy has been diagnosed with Collapse Trachea. They approve my claims in less then 24 hours. Money in my bank 48 hours later. Very grateful for this fabulous company! Thank you Cindy

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  • author
    Monique Papon
    Jul 12, 2021
    The best assurance for your pets I…

    The best assurance for your pets I trust them

    ...

  • author
    Dena Bector
    Jul 12, 2021
    Trupanion was referred by our vet

    Trupanion was referred by our vet, she says she personally uses you guys! The process was easy as 1..2..3..!

    ...

  • author
    Becky Welch
    Jul 12, 2021
    He explained everything thoroughly and…

    He explained everything thoroughly and was very friendly. The enrollment process was very easy.

    ...

  • author
    Andrea Moore
    Jul 11, 2021
    Easy to sign up without having to call

    Easy to sign up without having to call in

    ...

  • author
    Cynthia Kelly
    Jul 11, 2021
    Trupanion is a Lifesaver

    Trupanion has been reliable, prompt and helpful with several claims I have had for my little dogs. Two dogs have had claims for several thousand dollars, and they have been paid exactly as I expected them to be based on the plan I had chosen. The money was deposited directly in my checking account very quickly and there were no hassles or questions about the claim.

    ...

  • author
    Faith Martin
    Jul 11, 2021
    I have had other insurance companies…and prefer Trupanion - hands down!

    I have had other insurance companies for my dogs over the years. I wish I had found Trupanion much sooner. They have very caring and compassionate people working the front lines for people in very stressful situations, and it helps to alleviate some of the worries so you can focus on your animal who needs you. I don't think folks could go wrong by using Trupanion.

    ...

  • author
    Eleanor M. Dudek, MSN, PMHNP
    Jul 11, 2021
    We have 3 dogs insured with Trupanion…

    We have 3 dogs insured with Trupanion and couldn’t be more satisfied. Claims are processed promptly and our check is mailed to us right away. Everyone at Trupanion is a pleasure to work with and our premiums are reasonable. We have a choice in the monthly cost based on what we choose for our deductible too. Eleanor & Louis

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  • author
    Ann Ward
    Jul 11, 2021
    A true peace of mind

    We've been with Trupanion for about 8 years now. I can never express my true feeling on how very much I appreciate Trupanion for being there when we need you the most. Our loving 11 years old Maltese Mixed, Butter, recently had multiple surgeries in the past two years. Without the great care and services from Trupanion, we wouldn't be able to make a vivid decision and move forward on taking care of her health and wellness. Trupanion provides us such peace of mind and we can always have confidence that Butter will always be in great care and treatment. Thank you Trupanion from the bottom of our hearts.

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  • author
    Paul Abate
    Jul 10, 2021
    My Pug Izzy has been with Trupanion for…

    My Pug Izzy has been with Trupanion for like 5-6 years. She’s had cancer for surgery which they covered. In an effort to save money we cancelled the policy. Less then 2 weeks later we reinstated the policy. They decide to treat her like a new client and never told me. She had cancer again had surgery and they won’t cover it. “Pre-existing condition” they say. Poor customer service I say. Cancelled my policy.

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  • author
    Susan La Russa
    Jul 09, 2021
    5 stars for Trupanion…

    Can’t say enough about Trupanion’s customer service. They are always so friendly so on point so ready to help and always ask about your pet. My little doggie had surgery less than 10 days ago and my reimbursement was deposited already. Thank you Trupanion ♥️

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  • author
    Dion and Billie
    Jul 09, 2021
    Trupanion should be ashamed…

    So my dog gets pyometra and requires IMMEDIATE life saving emergency surgery. Fortunately she’s recovering but while I’m caring for her Trupanion informs me that the vast majority of my $2000 claim will not be covered because “getting spayed” is “elective” surgery. My options were “get the emergency spay or your dog will die”. That doesn’t sound like elective surgery to me. It even clearly states in the Trupanion benefits booklet that spays are not covered UNLESS they are the result of illness. Pyometra is a deadly infection of the uterus. This sounds like a no brainer to me… but in true insurance company form, Trupanion proves to be no different… “Thanks for your monthly premiums but good luck trying to collect.” Now I’m forced to appeal it and waste my time (while I should be caring for my dog) and the vets time (while he should be caring for everyone else’s pets). Trupanion should be ashamed.

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  • author
    Sandy
    Jul 08, 2021
    I needed to change billing date

    I needed to change billing date. Without any hassle or problem it was handled professionally.

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  • author
    Carrie Harbin
    Jul 08, 2021
    Customer service reps have always been…

    Customer service reps have always been very kind, polite, and helpful. I can find a lot of my answers on the website but it is still very nice to be able to speak with someone when you have a question or issues you want or need clarification on. Any rep I have ever spoken with has gone above and beyond to assist me. Thank you for having great customer service because it truly does make a difference.

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  • author
    Mary Kay Lantz
    Jul 08, 2021
    We have been a Trupanion family since 2012

    We have been a Trupanion family since 2012 when my Vet recommended Trupanion to us. With 2 inquisitive pups we new that stuff would "happen". Over the years, we have used our insurance for an emergency and for ongoing anxiety issues with our fur kids. Trupanion has always promptly paid the claims and their customer service is excellent! Can't say enough good about them.

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  • author
    Brian and Nan Bowers
    Jul 07, 2021
    Fast and helpful

    Quickly paid the claim straight to the vet. Always great on the phone with straight forward answers

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  • author
    Maureen
    Jul 07, 2021
    We have had trupanion since Marty was a…

    We have had trupanion since Marty was a puppy 8 years ago. They have exceeded our expectations re coverage and payment. Marty has had several surgeries and they have supported him each time

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  • author
    Jamey Brecht
    Jul 07, 2021
    Trupanion was amazing to us when Our…

    Trupanion was amazing to us when Our Yorkie was so very sick for 2 years. Very supportive 💞❤️

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  • author
    Tiffaney
    Jul 06, 2021
    After many searches...

    I looked a several different insurance policies. Others were cheaper in a way but to get certain things you had to pay add ons, which would add up. You still wouldn't get the coverage you would need in an emergency

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  • author
    Liz
    Jul 06, 2021
    Once again, a great experience!

    Once again, Trupanion came through when my cat Tulip had an emergency situation. She was treated at a couple of places, and is now home and recooperating! I made the claim right away, and Trupanion reimbursed within a week. They were an absolute life saver in 2017 when my frenchie had to have emergency surgery. They worked directly with the hospital which was great help! I've been with Trupanion for years, and simply wouldn't go anywhere else.

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  • author
    Alan
    Jul 06, 2021
    Amazing Service and Support from Trupanion

    My puppy Mischievous Maria was admitted to the Animal Hospital with severe vomiting and diarrhea. I place a call to Trupanion and was reassured that the claims process would be handled seamlessly. Kathy from Trupanion explained how to submit the claims once I had the invoices. I submitted my claims on July 4th and received confirmation that my claims had been processed and paid on July 6th. Outstanding product, processing and customer service. Thank you for making life so much easier during difficult times. I am happy to say that Mischievous Maria has made a full recovery and has returned to good health.

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  • author
    Meykia Smith
    Jul 06, 2021
    Avoid Trupanion

    Absolutely disgusting that they are denying my dogs claim that he had a hot spot due to pre-existing conditions that are not related. We recently had a massive heatwave in the northwest, record breaking temps in our area, and my vets office was seeing more and more dogs coming in with hotspots due to excessive heat and moisture trapping. My pup during this heat wave developed a hot spot, we took him to the vet and he had to be sedated and given a round of antibiotics, animax and steroids. Trupanion says that because my dog has had hot spots before and they seems to confused conjunctivitis with a hot spot even though that was an eye related issue m. They say that they cannot do this claim because he has “allergies”. When i talked to the rep she argued with me about how my dog breed is prone to allergies when my vets progressional opinion shows that my dog DOES NOT have allergies. My vet has ruled out allergies that my dog has and was clear that this was due to the excessive heat and trapped moisture with us trying to keep our dog cool. A 450 dollar vet visit is not being applied to my deductible nor am I being reimbursed. This is absolutely ridiculous to ASSUME my dog has allergies when there is ZERO indication that my dog has allergies in his medical files. I switched to Trupanion because of their rave reviews and ease of billing since my vet has direct pay but thinking I should’ve stayed with Nationwide if everytime I take my dog to the vet they are going to say it’s a pre existing condition. Now I am left with filing an appeal and asking my vet to write a letter which is an astronomical waste of time. The hotspot developed during my coverage and that’s what matters. If my dog was diagnosed with allergies then that’s different but nothing on his record shows that. Having looked through their reviews it’s clear this is a pattern of behavior. I think I’ll switch back to nationwide.

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  • author
    Michele Cregger
    Jul 05, 2021
    Pass on Trupanion

    Trupanion decided to diagnose my pet with a pre existing allergic medical condition and deny my claim while I am STILL treating my pet with Antibiotics and Animax Ointment for her ear infections. They consider a rash on her belly the same as an ear canal infections. Ignorant She has never ever been diagnosed allergies. I have had this policy for two years and this was my first claim. I get double denied because they say it's allergy related and it's no where on her file these current ear infections are due to allergies. I had to prove my case with an appeal, bother the Dr's busy schedule to write a letter. Finally got approved only to get denied again. This time over the probiotic I'm giving my pet because the antibiotic made her sick. Because when she was a puppy she had to be treated for diarrhea. Unbelievable! People go to BBB and you will see many claims stating the same thing. They deny your pet coverage always saying preexisting conditions. They look for anything!

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  • author
    Bruno P
    Jul 05, 2021
    Best Coverage, Best Customer Experience, Best Pet Insurer

    Don't think twice about insuring your pet with Trupanion. They are the best company to deal with. Our dog Niko has a heart condition and because of Trupanion and their support, we've been able to provide him with the best medical care and medicine to prolong his life. They pay claims on line within days. On my last claim I had my money in my bank account in 2 days! The most impressive thing about Trupanion is that they really care about my pets. They treat them like their own. They have the best customer experience of any company I've ever dealt with. I will never leave them. They are like family.

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  • author
    Christina Mallard
    Jul 05, 2021
    Trupanion saved our dog's life!

    Trupanion has saved our dog's life. He recently had emergency surgery with multiple complications, one of which involved needing a second emergency surgery. He has been in and out of the ER for the past month and still requires follow up care from an internal medicine specialist. His care started with our primary veterinarian, then over to our local ER, and then to a different ER that had the specific specialist he needed. Trupanion has paid EXACTLY what they said they would pay when I purchased the policy. The deductible was paid for the initial visit with our primary vet and then never charged again. They covered everything except the exam fees, a portion of the cost of prescription food, and our 10% portion of payments. They preapproved costs within a couple hours, approved final payments within minutes, and for those fees that were not direct billed, they reimbursed us within 48 hours (direct deposit into our account). I purchased the policy not 100% sold that I wanted to keep it, we were going to try it for a year and then likely cancel. We are going into our third policy year and purchasing the policy was the best decision we could've made. The value of being able to make critical care decisions based on the medicine and not have to be focused on the financial aspect was immeasurable. This type of insurance (illness and injury) is the type of thing you purchase hoping you will never need to use it. Some will say you are better off putting money in a savings account, and that may be true for many families, but the costs for our dog's care for this incident alone has been $30k+, that's a lot of money to be putting in a savings account for possible pet care needs. For me, I will gladly continue paying our monthly bill, with prayers that I never need to use it again.

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  • author
    Sandy sandell
    Jul 04, 2021
    Animal insurance is a plus

    This was my second experience taking my fur babies to the VCA. Once all my vet records were sent to Trupanion they kept me up dated with receiving my info and date of review and in less then 2 weeks my check was in my account. When I needed to speak to some one in person they were pleasant and answered all my questions. Thank you Achilles (Lab) Bentley (mix pit)

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  • author
    Robin Wigandt
    Jul 03, 2021
    I’m giving them 5 stars because they…

    I’m giving them 5 stars because they were excellent, very responsive, quick and very helpful! That being said I did have some claims that were denied that I am looking into.

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  • author
    Patricia Torruella
    Jul 03, 2021
    Ii takes a Village...

    I am certain Trupanion is the best and the associates and claim reviewers are always willing to listen to the patient's custodian point of view and help out as much as possible. My beloved feline, Vida is alive and well thanks to her vet, Dr. Vega and Trupanion. "It takes a Village".

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  • author
    marleen fornoville
    Jul 03, 2021
    Terrible experience

    Terrible experience. Trupanion will put anything and everything under preexisting conditions, even if this is incorrect according to my veterinarian. They will make it very hard for people especially when they are large claims.

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  • author
    Sarah Fairfield
    Jul 03, 2021
    When your on a fixed income …..

    Two of my five pets got sick this past year. There were months snd months if visits, fallow ups, variations of medications, tests and a few X-rays . It was frustrating for sure but the one thing that made me feel at ease was knowing that Trupanion had my back. My veterinarian services were also quite amazing . They allowed my insurance to pay them directly instead of being reimbursed so I only had to cover the office fees and ten percent after the deductible. This allowed me to give my babies the Heath care they deserve; as well as food on my table. We all know this struggle. I recommend pet insurance to anyone who can’t afford to drop two thousand a month on vet bills without notice.

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  • author
    Darlene Cyr
    Jul 02, 2021
    The Process Couldn't Have Been Easier!

    I have 2 Irish Wolfhounds and with big dogs come big bills. I’d never had insurance before for my pets and after some research I chose Trupanion. I honestly didn’t think I’d ever use it just because I’d heard of how hard it was to file a claim and then the long wait while the company assesses the claim. This past weekend I had a scare with my female Wolfie and had to go to a pet emergency hospital in the middle of the night. Thankfully she would be ok but the bill was not money I had budgeted for. I decided to file a claim on Monday and surprisingly, it was really easy!! I got emails telling me what the status of the claim was daily and couldn’t believe it when Thursday I received the money in my bank account! It was such an easy process and the people were so friendly. I encourage everyone to check out Trupanion!

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  • author
    Francois Bastien
    Jul 02, 2021
    Although Trupanion offers a great…

    Although Trupanion offers a great service, their constant and significant price increases for pet insurance is quite counterintuitive to their mission i.e."to help the pets we all love get the veterinary care they need" and their vision i.e."to create a better quality of life for people and their pets". Just a reminder, to achieve this mission and vision, you must keep your rates affortable. A 100% increase in rates in one year is not conducive to your mission and vision. For those considering Trupanion, please be advised that they constantly increase their rates once you've signed on.

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  • author
    Fend luwils
    Jul 02, 2021
    Trupanion is really good and reliable I…

    Trupanion is really good and reliable I couldn’t believe I was truly rewarded with my referral thanks A lot with Trupanion I have a peace of mind with my Lino wellness

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  • author
    Angelina
    Jul 02, 2021
    💪🔥👍🙏🙌 Amazing experience when I finally HAD…

    Amazing experience when I finally HAD to use Trupianion when my Princess Lola needed most! She had three major surgeries and they Trupanion saves the day from call to invoice, up to 90% upfront as thankfully the hospital I used was within network! Other couple cases I used TP and i got reimbursed quick! Thank you for being so awesome!!!

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  • author
    Deanne Ralph
    Jul 02, 2021
    Reassuring

    The knowledge of having pet insurance is reassuring, and Trupanion provides good, friendly customer service. Thank you for giving us the peace if mind with our pets' health.

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  • author
    Aim A
    Jul 02, 2021
    Insured My Fur Baby!

    I recently signed up for pet insurance with Trupanion. I felt comfortable speaking to the rep. He was very informative and able to answer all of my questions. Quite honestly this plan doesn't have an annual cap. Other plans that did have annual caps cost close to the same. It was a no brainer, especially with a hunting /working breed.

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  • author
    Karina Aviles
    Jul 01, 2021
    Excellent coverage and fair price.

    Excellent coverage and fair price. I've only used it once (Thank God) and it worked perfectly, very quick. Everything as expected.

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  • author
    Adele Averill
    Jul 01, 2021
    Trupanion is literally "peace of mind"…

    Trupanion is literally "peace of mind" - always prompt when approving my pet's medication claims, 90% coverage of all their invoices from my vet. I wouldn't be without it!

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  • author
    Jennie
    Jul 01, 2021
    Great customer service

    The customer service representative was extremely helpful in answering all my questions and help guiding me for choosing the right policy

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  • author
    claude Gauthier
    Jul 01, 2021
    Très satisfaite de votre service.

    Très satisfaite de votre service.

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  • author
    Christi Dorrell
    Jul 01, 2021
    Compassionate and understanding staff…

    Compassionate and understanding staff everytime I call. Sent me a sympathy card after my pet passed away. Quick to receive money back. Easy to submit claims!

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  • author
    Lorna Walsh
    Jul 01, 2021
    Timely response (while dog was under…

    Timely response (while dog was under anaesthesia); excellent coverage!

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  • author
    Tisha Koebel
    Jul 01, 2021
    I recommend to everyone who asks!

    I have Trupanion coverage for both my girls, and actively use it for both. They are female labs, one just turned 8 and one is 2. The youngest has allergies and needs monthly injections which are covered by Trupanion and the 8 year old is going through a costly diagnostic process due to reflux. Trupanion pays my vet immediately (once you have met your deductable) and takes most of the financial stress off of us when making decisions on caring for our girls health. I recommend it to everyone I talk to who asks me about it! My initial thoughts were this coverage was for the "big stuff" however we are 8 months or so into this reflux issue and the $500 or $600 tests, meds and prescription food add up in a hurry. With the 2 year old she's had allergies from a pup so that has also added up. What's the saying....you don't need it till you do? So true!

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  • author
    Maria
    Jul 01, 2021
    I needed this insurance only a few…

    I needed this insurance only a few time, was was paid promptly. Customer service is excellent.

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  • author
    Julie
    Jul 01, 2021
    Trupanion is always prompt with their…

    Trupanion is always prompt with their customer service and turn-around time for claims. Having Trupanion insurance has saved me a lot of money on vet bills, and it has allowed me to take care of my fur babies as needed.

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  • author
    Mike Sharp
    Jul 01, 2021
    My dog is completely healthy and never…

    My dog is completely healthy and never used this policy but my rates go up anyways.

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  • author
    Marge
    Jul 01, 2021
    Trupanion is the worst. I hope there's a FB group for all the Trupanion horror stories.

    I hate Trupanion. American Airlines and Trupanion are my least favorite companies - full stop. I pay $178/month for absolutely nothing. THEY COVER NOTHING. The people that answer the phone seem to know nothing about dogs, insurance or even Trupanion. Every time I interact with this company it ruins my day. Trupanion, I hate you and I hope you lose all your business to companies that actually care about animals and keeping them healthy.

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  • author
    Kristen Reading
    Jun 30, 2021
    You guys are great!!!

    You guys are great!!!

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  • author
    Hector Alejandro
    Jun 30, 2021
    Trupanion is the best insurance for my…

    Trupanion is the best insurance for my pet.. and the costumers service is excellent.. every time I invoice any claims response immediately… thank you!! Trupanion I have you for almost 8 years .. I recommend to my friend 100 percent.

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  • author
    cynthia b
    Jun 30, 2021
    Trupanion is Great…

    Trupanion is great I have a Doberman that when she was younger had medical issues and I thank GOD for Trupanion. I could have never afforded the cost of her care without them. She is now 8 yrs old and healthy Thank you trupanion

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  • author
    Valarie Toomer
    Jun 30, 2021
    This is the first time I have purchased…

    This is the first time I have purchased insurance for a pet. Although, I have had pets all of my Life. I recently purchased a Silver Shaded Chinchilla Persian. The Breeder recommends to all of her Buyers and provided a referral link to purchase insurance through Trupanion. I felt that since I made a large investment in purchasing my Dream Kitty. I needed to protect my investment by purchasing Pet insurance. I feel at Peace knowing that I purchased from a Reputable Breeder and she had many of the Health certifications Tested. Plus the peace of mind that in the event that something is to happen...I have the insurance policy in place.

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  • author
    Marilyn Pellerin
    Jun 30, 2021
    Glad to have Trupanion

    This is the first time I have purchased insurance for a pet. I researched several possibilities and chose Trupanion. Recently my five year old Yorker required shots for a skin reaction. I couldn’t believe how quickly the the payment arrived. It was such an easy and positive experience. Thank you Trupanion

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  • author
    Linda Rodda
    Jun 30, 2021
    I’ve been a trupanion member with my…

    I’ve been a trupanion member with my pets for several years. I highly recommend! My dog went blind with cataracts and I was able to give her the gift of sight again because trupanion paid 90 percent of my $4,000 claim! Also she is a diabetic and they pay for 90 percent of her meds, vet bills etc etc. She had been able to see for several years thanks to trupanion. I can’t imagine making her suffer for years without the ability to see. Thank you trupanion!!!

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  • author
    Christian W Evans
    Jun 30, 2021
    Trupanion is peace of mind for

    Trupanion is peace of mind for anyone, like us, who adopted a puppy at a cost of thousands, to ensure that if anything happens, we're covered! Thanks Trupanion!!!

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  • author
    Donna
    Jun 30, 2021
    Rascal’s story

    Trupanion saved the day when my boy Rascal tore his ACL right before a big move. Instead of worrying about him, I was reassured that it would all be taken care of (which it was!!). Thank you Trupanion!!

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  • author
    Danielle June Peters
    Jun 30, 2021
    The best customer service

    Trupanion has the best customer service I’ve experienced with an insurance company, hands down! The representatives are always courteous and friendly, they make being a customer easy. I’ve been fortunate that we’ve never needed to make a claim, but I have no doubt that it will be easy to do. Our coverage is amazing too!

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  • author
    Reed
    Jun 30, 2021
    Trupanion is good because my brother…

    Trupanion is good because my brother works there

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