Trupanion

Trupanion Review

ByBestmoney StaffDec. 30, 2020

This site is a free online resource that strives to offer helpful content and comparison features to its visitors. Please be advised that the operator of this site accepts advertising compensation from certain companies that appear on the site, and such compensation impacts the location and order in which the companies (and/or their products) are presented, and in some cases may also impact the scoring that is assigned to them. The scoring that appears on this site is determined by the site operator in its sole discretion, and should NOT be relied upon for accuracy purposes. In fact, Company/product listings on this page DO NOT imply endorsement by the site operator. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information which appears on this site is subject to change at any time.

In a Nutshell

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

cons

Waiting periods: 5 days for accidents; 30 days for illnesses
$35 enrollment fee (in select states)

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 covers	What Trupanion doesn't cover
Unexpected injuries, illnesses, accidents	Pre-existing conditions
All hereditary/congenital conditions including hip dysplasia	Wellness, elective, cosmetic
Diagnostic tests, surgeries, medications, overnight hospitalization	Exam fees
Prescription food, supplements	Sales 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 Rider	Pet Owner Assistance Package
Rehab therapy	3rd party property damage
Acupuncture	Advertising and reward for a lost pet
Hydrotherapy	Boarding fees
Chiropractic care	Holiday vacation cancellation fees
Behavior modification/therapy	Burial 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 Visit Site

Trupanion customer testimonials

Excellent•Reviews 2,097

Excellent

82%

Great

Average

Poor

Bad

10%

Julie Bodenheimer Miller
16 hours ago
Trupanion is a class act insurance company!
Every single person I have encountered in dealing with my dear Nemo's illness had gone above and beyond to "make things happen" in a timely way, so no delay in treatment, treated me with compassion and dignity, and very quickly paid the vets and reimbursed my expenditures involved, even during the holiday rush. They do exactly what they promise, with no hassles. This insurance company "is the one"!
...
Rodrigo Gonzalez Hermosillo
a day ago
so efficient
so efficient, it is a need!
...
Pamela Tarrant Neves
2 days ago
Trupanion Insurance is SO worth it!
I decided to get pet insurance after our Great Pyrenees had a costly surgery while a pup. I didn't want to be in a position where I might not be able to afford needed care. I am SO glad I made this decision for two reasons. One: Peace of mind that if anything ever happens that is costly it will be paid for up to 90 percent for his life once I meet the deductible for that ailment/injury. Two: Nanuk was diagnosed with allergies and this will be a lifetime of taking expensive medications, testing, etc. Now that I have met the deductible I don't have to worry about the expense! He can get all the care he needs without breaking my pocketbook. For a little money each month you have peace of mind and hope you don't ever have to use the insurance. But if you do, it FANTASTIC! I will never be without pet insurance again. Trupanion is quick to respond and the portal is easy to naviagate. If you have any questions there is a chat box or you can ask for someone to contact you and walk you through a claim or question. Don't hesitate. Get it today for your companion. Your pet is worth it!
...
janet mutter
4 days ago
Spoke to Zak and he explained…
Spoke to Zak and he explained everything to me in full detail. I hope i do not need to use this Insurance but it gives me security knowing it's there if we need it.
...
HollyNJ
4 days ago
9 Years of Excellence from Trupanion!
I have been a Trupanion policyholder since 2012. Without a doubt, they have been a life saver and have served me and my cat family with nothing but outstanding care. The most recent example of Trupanion's excellent service just occurred a few minutes ago. One of my cats had to be seen at a veterinary specialist for an echocardiogram and abdominal ultrasound. The specialists submitted the claim directly to Trupanion and Trupanion reviewed and paid the claim in under 5 minutes. Yes, you read that correctly....under 5 minutes. We are so grateful to Trupanion (based in Seattle, Washington)--they employ extremely competent and empathetic people. Thank you!!
...
Ayla Liden
Jan 10, 2021
I had great service and found the…
I had great service and found the service person to be helpful in answering my questions. He also found me the best deal for my finances.
...
Agnes Keegan
Jan 09, 2021
Excellent coverage.
The representative I spoke with fully explained the options available to me. I appreciated the detail of the coverage provided.
...
Kelly
Jan 09, 2021
Really easy to choose my deductible and…
Really easy to choose my deductible and costs!
...
Alexandra Wright
Jan 08, 2021
Trupanion was a literal lifesaver
Trupanion was a literal lifesaver. In August both my dogs fell ill. My Aussie Shep underwent a multitude of tests, and specific hospitalization. Sadly she had an aggressive form of cancer and she was euthanized. While managing that, my little chi/pug came down with an awful case of pancreatitis. He was hospitalized for 6 days and it was touch and go. Knowing that I had Trupanion as my insurer made it easier to make decisions that cost thousands of dollars. They are a phone call away, and more than once listened to be sob on the phone.
...
Edward
Jan 06, 2021
Great service
Great service! I owe my dog’s life to the funding and coverage your company assisted with medical expenses. Indebted to Trupanion for many years!
...
Tristan
Jan 06, 2021
Haven't actually needed them yet
Haven't actually needed them yet, but the service, information forwarding and just plain humanity shown by their customer service got me as a customer!
...
DEBORAH
Jan 06, 2021
we have been very happy with trupanion…
we have been very happy with trupanion and how they have helped us with three of our dogs in the last 6 months. there would have been no way for us to get our dogs the care they needed if we did not have trupanion. we very much recommend trupanion if you are thinking about getting insurance for your pet.
...
Drew
Jan 06, 2021
Your explanations of benefits
Your explanations of benefits, payments, and what is not covered is clear and concise. You have been very responsive to any questions our vet has asked regarding benefits for our pet. Decisions on coverage have been quick and payments or reimbursements have also been fast. For the past 9 years, Trupanion has been exceptional. We have recommended Trupanion to friends and will continue to do so in the future. Thanks!
...
Ron
Jan 06, 2021
We recently had or lab/boxer mix fli…
We recently had or lab/boxer mix flip his stomach requiring emergency diagnosis and surgery. Total was just under $20K. Trupanion paid their 90% in under 4 days from submittal of final invoice. Very simple, and quite amazing after 6 days in ICU... we had our beloved Sugar-Bear back home. Less than 6 weeks later, back to normal. Highly recomend after 6 years with Trupanion very pleasantly surprized.
...
Howard
Jan 06, 2021
My German Shepherd Ruger
My German Shepherd Ruger - My experience with Trupanion has been completely positive. When Ruger has had structural issue develop that required Surgery, Trupanion's assistance has been exemplary. The Claim submission process is uncomplicated; the Trupanion review and processing of a submitted Claim has been addressed very efficiently; the approved portion of a submitted Claim has been fully explained, and the payment of the approved portion of a submitted Claim has been provided almost immediately after the approval amount has been determined and presented to me.
...
Lois
Jan 06, 2021
Don’t delay get it today.
I have used a couple of different insurance companies for my dogs. Trupanion is by far the most professional and the best client service. If you have to call the person on the phone seems to instantly know your situation and talks to you as if they know you. I have referred numerous people to use this company and everyone has contacted me to thank me for “ making “ them get insurance. They all say thank goodness for Trupanion. My advice is don’t delay! Get it the first day!
...
Melissa
Jan 05, 2021
Trupanion has always been prompt with…
Trupanion has always been prompt with my claims reimbursement and very professional and courteous when I call.
...
JD
Jan 05, 2021
Changed our lives!
Our girl was diagnosed with Osteosarcoma and required amputation and chemotherapy. We were able to easily opt to proceed with treatment and extend her life without having to worry about finances. We are forever grateful!
...
Jennifer Stanton
Dec 31, 2020
Thoroughly disappointed
Thoroughly disappointed. Rules, rules and exemptions and I got 1.95 paid out for two approvals. You pay over a hundred dollars for one pet and it’s total crap. If y’all think you’re the most comprehensive that’s just sad state of affairs.
...
Jason Cuz Diodati
Dec 31, 2020
EVERY CLAIM DENIED,
Basically we called today to cancel policy for our two dogs, for the last 5 years we paid $140.00 a month, and every time we had an issue with our pets claim would be denied. Our vet called them personally today for the appeal and they still denied it. Basically paying for nothing. And happy to start 2021 canceled. Should have a sense of security knowing your pets are covered incase of emergency not fight every claim and appeal.
...
Billie M
Dec 31, 2020
I signed up with a 1000$ deductible at…
I signed up with a 1000$ deductible at a lower monthly premium, I have no claims and my puppy just turned one and they raised my premium almost 30%. I understand premiums going up but that is ridiculous and I can’t lower the deductible either which I was aware of but didn’t realize my premiums would go up that much so now I’m concerned for next year, at least I can cancel but if I put that money aside monthly I think it might be a better idea. Like most insurance companies they are out to make money.
...
Kelsey Hallett
Dec 28, 2020
A M A Z I N G
TruPanion has been an AMAZING insurance company! We insured our sweet little cat 4 years ago and it's definitely worth the investment! We dealt with the SWEETEST representative tonight named Ashley! She was sooo incredibly empathetic of our situation and so helpful! Wonderful insurance company!
...
Eryn B
Dec 28, 2020
You’re better off putting your money in…
You’re better off putting your money in savings, than trying to deal with these highway robbers. I have tried to file a few claims with Trupanion and I’ve been declined each time despite following every process. It seems like they arbitrarily decline claims and make you appeal them if you really want your money. I would rather know that I have an insurance company who goes to bat for me and finds ways to protect me, then looks for ways to say no. I regret ever leaving PetPlan for this awful company. I’ve cancelled my policy and feel better about going broke at the vet than dealing with Trupanion ever again. That should say a lot.
...
Sandy Green
Dec 26, 2020
Outstanding company to deal with…
Not sure how these negative reviews come about. I have a very sick dog, starting with Epilepsy from the age of 2, which incurs very expensive monthly medications, going forward to surgery for eating a knee high stocking wrapped around intestines. She has been hospitalized numerous times for cluster seizures, more recently had major surgery to remove tumors from her liver and spleen removal. Now it's low thyroid. I have had nothing but fantastic service and timely payments for the last 9 years. There have been times when I disagreed with a result, and they were very open to discussion, resulting in a fair outcome. Without hesitation, I recommend Trupanion to anyone who needs insurance for their pet.
...
Sonny Guzman
Dec 20, 2020
Great customer service and great…
Great customer service and great coverage!
...
Customer. Dr John
Dec 19, 2020
I have both my dogs covered with…
I have both my dogs covered with Trupanion. Now my grand dogs are part of the Trupanion family. The coverage has been excellent in helping with unexpected veterinary expenses. The claims process is simple and fast. I just wish my own health insurance was as customer friendly as Trupanion. Thanks for being there. John
...
MM
Dec 19, 2020
Better off putting money in savings than paying for pet insurance.
My dog had inflammation in one of his eyes that our regular vet couldn’t find a cause for and kept returning. We were referred to a veterinary ophthalmologist for further assessment and diagnostics. Even though it was a specialist referral and they had to conduct their own tests as part of the assessment, Trupanion would only count this as a normal exam fees so wouldn’t cover it. After deductible, trupanion will cover only the costs of medications and diagnostic testing and we are eligible for a whole 36 cents back! This after spending more than $1400 so far. The ophthalmologist expects that his eye inflammation is chronic and he likely will need the eye removed within a few years. Knowing he has an impending surgery is the only reason we’re considering continuing our plan. I would not recommend pet insurance for people looking into it and would instead think we would have been better off putting the monthly payments into a savings account to have in case of veterinary emergencies. We have two large dogs and both have been insured with Trupanion for three years. That’s a lot of money we could have saved had we known we’d run into this. Hindsight is 20:20 (eye pun intended)
...
Eva and Bill and Gronky 🐶
Dec 18, 2020
Trupanion = peace of mind!
Trupanion has been our first experience with pet insurance and we are so very pleased with the level of customer service and care for our puppy. As new dog owners, it was nice to know there was one thing we didn't have to worry about. Thank you Trupanion for all that you do!
...
William D Jones
Dec 18, 2020
Its been almost 1 month since I filed…
Its been almost 1 month since I filed my claim, zero communication from trupanion. When I finally contacted them they ask me for my vet clinic information. This was already in my dogs profile. Trupanion has resisted payment and looks for any reason to not pay. Their advertisement of fast payment is a flat out lie!
...
Bruce Keegan
Dec 18, 2020
Trupanion is an absolute life saver
Trupanion is an absolute life saver! Our 13 month old Great Dane presented with the a high fever and coughing, after 3 days and over $20,000 the MRI and expertise of a neurologist discovered a very enlarged lymph node in his neck. The next four days of treatment and follow-up care totaled in excess of $40,000. Trupanion was there every step of the way with acceptance and payment directly to the hospital in less than one minute every time! Our beautiful big boy is with us today because the Critical Care Team was not hamstrung by financial constraints, they were able to perform at their best to save his life and Trupanion was there every step of the way...thank you! Their customer service team is exceptional. Their people are empowered, compassionate, and extremely competent, what a team and what a company culture! As responsible pet owners we have no problem spending a little more for the best food, the fun toys, the best training, etc. What could be more important than their well-being? Our two daughters will soon be pet owners. We have made an agreement that part of responsible pet ownership includes buying Trupanion. If you can’t afford insurance you’re not ready to own a pet. Thank you Trupanion!
...
E. Larry
Dec 18, 2020
Trupanion was always very quick in…
Trupanion was always very quick in responding to any of our submissions (especially when we started direct billing from the Vet. clinic direct), and, was also very quick in responding to any requests, concerns, or problems we had which needed to be answered or solved by them. The phone conversations were always pleasant and courteous.
...
Mike
Dec 18, 2020
Our experience with Trupanion over the…
Our experience with Trupanion over the years has been very satisfying. We have found their staff to be professional and very pleasant to deal with. All claims have been resolved in a timely manner, and questions have been answered quickly too. We would recommend Trupanion to others, and have done so in the past.
...
Andrea
Dec 18, 2020
Really great to deal with and fast
Really great to deal with and fast. The only thing I’m not happy with is that the monthly fees keep going up every year.. started at 50$ a month now at over 100$!!! I know of other pet insurance companies that do not change their monthly fees and wish that Trupanion would not change as well as it’s getting a bit ridiculous!
...
Donny
Dec 18, 2020
Best consumer experience I have ever had...
Best consumer experience I have ever had, retail, medical or professional. Great communication, transparency and coverage!
...
Rian
Dec 17, 2020
Trupanion is amazing!
Trupanion is an amazing company to work with. The process to sign up is quick, their plans are affordable, every single customer service rep I’ve spoken to is so nice and compassionate, submitting claims takes less than 5 minutes with only a few short questions and it takes them about a week to review the claim and get you paid. I am so impressed with them and I highly recommend you use them for your pet as well!
...
Mark
Dec 16, 2020
Kaiya was suffering from an oral …
Kaiya was suffering from an oral cancer that resulted radiation treatment. Your response to our claims was rapid and complete. Your customer service representatives were very helpful with the processing of the claims. We have used Trupanion for some 10 years, excellent service throughout.
...
Deepa Bhatt
Dec 15, 2020
Waste of my money and time
Trupanion only looks at the vets notes, does not do any follow up with the vets office to verify the results. In my case this is costing me $$$ and time to fix. What do the reps at trupanion get paid for? == PS: I HAVE spoken to trupanion SEVERAL times already. Don't ask me to keep calling you up. You don't make an effort to help your customers. You marked my pet's condition as a pre existing one but this was NOT the case. My Vet had to call you up to explain it, he could have easily said he is too busy to call an insurance company. Luckily he was considerate. I am deeply disturbed by this. When you mark something as pre existing condition it affects all my future claims and you know this quite well and have been trying to exploit this fact.
...
Kirsten Phillips
Dec 12, 2020
I wish there was a no star
I wish there was a no star. ANY star is too generous for this scam artist. On the website it states clearly that their insurance covers “unexpected illness”. Well we were unexpected as could be. Our puppy has had a clean bill of health since the day we got him from a licensed breeder. NO KNOWN CONDITIONS! We got TRUPANION just in case something serious could go down and took him to his next Wellness check. Vet then suddenly noticed an issue with his legs, told us it’s probably nothing but get a consult just in case. Like idiot responsible pet owners, we followed our ver’s advice and took him to the hospital only for Useless TRUPANION to deny our claim being ONE DAY short of the waiting period. Again, we had had zero prior knowledge and this visit was based on a hunch. Now TRUPANION thinks we can just afford an over $8,000 surgery by ourselves, gave us NO advice or avenue to dispute this shady decision on their end and now our puppy has to STAY in pain because they cannot cover him. We have been enrolled with them for exactly 4 days. Dump your plan in the trash, it’s only useful based on karma. Please make sure you keep it in case your pup gets hit by a bus. Otherwise, you won’t get any help. Even then, they’ll tell you the bus was built in 1995 so it’s a “pre-existing condition”. Not worth your money, good people.
...
Lisa Mitchell
Dec 12, 2020
I got a puppy
I got a puppy. I knew I wanted insurance but had no clue where to start. I thought who is best qualified to recommend a Great Insurance co. But an Emergency, and Critical Care Specialty hospital. I called and Truepanion was the only one that came so highly recommended. So i purchased a policy. I had many options to choose from. Which was great.
...
Mary
Dec 12, 2020
As an owner of more than 30 dogs
As an owner of more than 30 dogs, cats, ferrets etc in the last 40 years, and as a Registered Nurse, I would not recommend getting insurance put on your pet. It is a lot of hassle. Anything your vet states can be used against you. My dog was vaccinated for Lyme disease and was bit buy a tick unfortunately causing Lyme disease. In her records the vet recommended she be treated for Lyme as a preventative at a cost of $50/month without realizing she was vaccinated and since I already had her vaccinated I didn’t feel I should have to do the preventative; otherwise, what’s the point of getting her vaccinated in the first place. Like, this is a $600/year preventative cost. That’s a lot of money they except you to pay out. Do we give our pets $50 preventative rabies medicine each month? No! The vaccines are supposed to be enough. The insurance won’t cover her Lyme disease due to this. Anything they can find to not cover, they will. The people in charge of the claims at Trupanion don’t pay attention properly to the information Infront of them. My dog has the extra Alternative coverage that I’ve been paying for two years and a claim was submitted and in their error they tried to say I didn’t have the coverage, which I proved I did. A really silly costly mistake on their part. This has happened several times and if I wasn’t doing my home work, it would have costed me large financially. Also, they pre-approved a place for the alternative coverage in error and now will not pay for my dog’s treatment even though their is no other place within hours that can offer my dog treatment for her condition. I don’t recommend any insurance coverage for your animals. It’s expensive and a hassle. My dog has five conditions, to which I’ve had to pay a deductible of $750 each time, 10%, and the taxes. You don’t really save, each vet visit is stressful as you have to watch very closely what your vet says it will be used against you. My dog has five conditions that apparently are not related therefore, I continue to pay large deductibles. I will never get insurance on my animals again as it’s a stressful experience and I don’t recommend you do either. The customer service agents are nice to deal with and although it’s appreciated, I’m here for insurance coverage at the end of the day.
...
Joseph
Dec 11, 2020
Trupanion has been extremely easy to…
Trupanion has been extremely easy to work with and seamless support with coordinating with our vet
...
Roxanne
Dec 10, 2020
Referring Trupanion to friends is the best advertisements
Enrolled Son-E in Trupanion 10 years ago. This was the first experience with pet insurance. We buy insurance for the unexpected, and many years we were blessed with good health, but with 1 sneeze, life changed. So thankful that I had a pet that allowed us to intervene with radiation therapy for the nasal and brain tumors. So thankful Trupanion was there for us. We now have more time with our beloved boy. Some friends have joined the Trupanion family with our experience and referral.
...
Lynn
Dec 09, 2020
Trupanion saved our pup
We bought a puppy from a reputable breeder. The breeder recommended Trupanion insurance which we bought. Thank goodness. When our much loved adorable pup Consuela was a year old, she was diagnosed with a congenital liver disease. There have been many expensive tests and medications since then. Trupanion has made it possible for us to keep Consuela happy and energetic. Claims are processed quickly and customer service is A1. Consuela is now two and we hope has many years ahead. Thanks to Trupanion!
...
Jennifer
Dec 09, 2020
Trupanion has been incredible
Trupanion has been incredible after our dog was diagnosed with an infection in her spine. She was hospitalized, needed an MRI and long-term antibiotics. We couldn’t have helped her without their help. Trupanion has probably saved us $10-$12,000.
...
Shane
Dec 09, 2020
Absolute SCAM!!!
Absolute SCAM!!!! I've had Trupanion now for 5yrs (until today). My coverage with $500 deductible started at $30/mth. My dog is 5yrs old (no major health issues). I'm currently now paying $111/mth!! almost 400% increase in 5yrs??? Oh and to be transparent, I haven't made a single claim! In fact, I've now cancelled the insurance one month prior to my dog's dental surgery to remove a molar...I called Trupanion to inquire about claiming etc and they told me that the will not be covering this procedure. (something about 'pre-existing' conditions...which don't exist...) this seems to be a common 'reason for denial' as I read through numerous reviews. My dog has absolutely NO 'pre-existing' conditions, she's had all vaccines, has never been treated for any ailment and after 5 years of paying $360, $720, $960 and now $1350 with no claims. And with monthly premiums increasing for me from the original $30/month at rates of 100%($60/mth by yr2), 130% ($80/mth yr3), and now 140% ($111/mth). With no explanation or heads up...I'm fed-up. I have had ABSOLUTELY NO APPROVED COVERAGE in 5yrs...and have spent over $3500 to insurance, plus the cost of whatever regular vet visits I've had. I'm better off keeping my money, at least I'll make a few cents interest on it! Trupanion should not be listed as 'coverage' for your pet...it's more accurately classified as a voluntary donation to Trupanion's CEO and others. Disgusting business practices...
...
Gerri
Dec 09, 2020
Great pet insurance plan
My dog required two separate surgeries within a two month period. Trupanion was prompt in paying the maximum amount for each procedure. The claim submission was simple and payment was within three days without problems.
...
Emily
Dec 09, 2020
Trupanion is a genuine company
Trupanion is a genuine company. I appreciate their customer service and that you can actually talk with a person vs a computer. We will be customers for the life of our pet.
...
Tom Whitehouse
Dec 08, 2020
This company is a total scam
This company is a total scam. 3 months to review a claim and then denied. Horrible customer service. Stay away from them.
...
Naly Sonethanouvong
Dec 12, 2020
How to get Trupanion to help pay the claim
My experience with Trupanion at first was terrible!...Then it started to slowly get better, and I will tell you how that happened. Edit: (Originally I lefted a 1-star review, but changed my mind when they overturned things for the better). Trupanion denied my claim twice before. They wrote in automated emails that they would do all the work and investigate it. They told me saying that I didn't have to do anything 'JUST LEAVE IT UP TO THEM'. My dog had a Mass Cell Tumor (MCT/Lipoma) removed surgically in a area which was her stomach that wasn't prior to what they had called my vet about. I knew Trupanions policy since I have read and comprehend that they won't cover pre-existing conditions, wellness exams or check-ups. So they made my claim ineligible twice and brought up a 'lump' on her leg from back in 2019 that had nothing to do with the area where she had surgery. It wasn't a cancerous tumor on her leg, just a fatty tissue. I contacted Trupanion over five times, and they told me and my fiance the same thing, they told us to call the vet and try to appeal the case. Basically the whole thing frustrated me, because the vet told them all of the details and agreed with us that we should have been paid for the cancer removal. Trupanion added in their own details of what the MCT is and denied the claim a second time after it was appealed. It was a lot of back and forth calling them, then my fiance called my vet. Finally Trupanion accepted the claim after my amazing vet (who did surgery on my dog to remove the cancer) faxed/emailed a letter to them. Trupanion covered what was less than half of the bill, which was okay, because now my fur-baby will be covered in the future. That's what this insurance is for. I pay it monthly so that when my dog need it, it could help her get the best care at vet clinics. Thank you Trupanion for finally working things out with us. We appreciate your team accepting our claim and digging deeper into the correct details for our case.
...
Kenneth Rogers
Dec 01, 2020
Trupanion deserves six stars.
Have had Trupanion for over five years and they have been superb on every occasion. Never try to squeeze you on claims. Always honor their 90% coverage promise. Have kept their promise not to raise rates when you have claims. Pay quickly with direct deposit available. Answer the phone quickly when you need to speak to a human. Somebody needs to add a sixth star for them!
...
Leslie Green
Dec 01, 2020
Do not waste your money
Do not waste your money. Everything is determined to be pre-existing and it takes many weeks to get that answer. You cannot talk to a claims assessor and your only route is appeal. Not worth bothering as it just feels to me they want your money only to deny you.
...
Mary Elizabeth Moore
Nov 30, 2020
Ethan
Ethan, my sweet 4 year-old Siamese rescue, was not eating well then presented with vomiting potentially w/bloody mucus. My trusted vet instructed me to take him to emergency care. ER vet admitted to ICU, diagnosis pancreatitis. Ethan is now home and back to being a ‘normal’ talkative boy. Trupanion settled his claim in an efficient, timely, fair manner and I am thankful for their support. Mary Elizabeth
...
Ashley Cabral
Nov 29, 2020
If I could give them no stars I would
If I could give them no stars I would. Our 1 year old dog started limping and needed an x ray. We discovered she has osteochondrosis and will likely need physical therapy along with surgery from a specialist and Trupanion will not cover ANY of it. According to them it is considered a pre-existing condition because it happened within the month of us getting insurance! Why am I paying $60 a month if all of my claims are ineligible? I do not recommend trupanion.
...
Andrew Durfee
Nov 26, 2020
Thank You Trupanion
My experience with Trupanion (11 years) was unquestionably the best customer experience I have ever had. Put simply, they are amazing. They consistently go above & beyond. Every interaction, with every employee, met or exceeded expectations. They are easy to deal with, reasonable & understanding, and compassionate. There is little question that everyone there is an animal lover. It is apparent in every conversation. I will be forever grateful for the role Trupanion, and each person there that I dealt with over the years, played in our lives. Suffice it to say, they have collectively earned my gratitude. When the time comes, I look forward to working with them again.
...
Brian
Nov 25, 2020
Our dog Calista had to have 2 lung…
Our dog Calista had to have 2 lung lobes removed because of infection, we don’t know what we would have done if Trupanion wasn’t there to help us with this
...
John
Nov 25, 2020
Outstanding customer service when I…
Outstanding customer service when I needed it the most.
...
Debbie
Nov 25, 2020
Trupanion has been a source of comfort…
Trupanion has been a source of comfort to our family during stressful times when our pets have needed medical attention. With the backing of an incredible insurance policy our fur babies always got the level of testing and needed procedures to care for all of their ailments. The staff are kind and attentive in all their discussions with us and the cost reimbursement procedure is quick and surprisingly simple- payment is direct to the vet if they participate, making your out of pocket upfront payments a thing of the past. You can’t beat the value of their policy and add on supplemental riders for the peace of mind you get. I highly recommend Trupanion to all my family and friends. You really can’t compare them to any other pet insurance company.
...
C S
Nov 25, 2020
Claims denied tying back to one incident as puppy now assumed as pre-existing condition! …
Claims denied due to wording from vet and Trupanion makes assumptions and holds true to not paying claims due to pre-existing conditions. My dog was vomiting as a puppy and since the vet claimed she “may have a chicken allergy” every claim submitted thus far has been noted as a pre-existing allergy or gastroenteritis condition, therefore, all claims denied. Please note my dog was never actually tested for a chicken allergy but because the vet noted that in our paperwork, Trupanion immediate states she had a pre existing condition. This has been the most frustrating experience with not one claim paid in the 1.5 years I have had them and my dog is only 2 years old. The HELPDESK told me that it’s like buying a car, If the car was in a wreck and the front end was all damaged, that’s a pre-existing condition. Really? Thanks, Amy from the HELPDESK. This has been a horrifying ordeal. I’ll be dropping Trupanion immediately and talking to my vet about how he words things going forward. Ridiculous.
...
Steph
Nov 24, 2020
Trupanion has been absolutely amazing
Trupanion has been absolutely amazing. Customers is wonderful. Everyone I've spoke with at the company is knowledgeable and helpful. They are caring and thoughtful. Claims are easy to submit and responses are quickly made. I highly recommend this company!!
...
Bonnie
Nov 24, 2020
We are very happy with our policy and…
We are very happy with our policy and the excellent customer service.
...
Dale
Nov 24, 2020
I’m thankful for having the insurance
I’m thankful for having the insurance. With the issues my female American pit bull has had with her PTLO surgeries this year I would have been out of pocket thousands of dollars without the insurance. The coverage has been excellent for the most part covering many things?
...
Lorena
Nov 24, 2020
Life savers!
Trupanion has been fantastic at helping to cover the cost of several large medical expenses for my dog. He was diagnosed with orthopedic issues before turning a year old for which he receives ongoing treatment, he's had multiple surgeries to relieve obstructions, and has had back surgery as well. Without Trupanion I no doubt would have had to euthanize or surrender my boy to someone who could afford to provide for his medical needs. I am beyond grateful that I signed up with Trupanion from the start. They keep him living a happy and healthy life.
...
Jenny
Nov 24, 2020
You are great!!
You guys really care about our animals, I just can feel it. Your response on claims is so quick and everything is so perfectly detailed. You reimburse super fast. I wish insured people because I would sooo want you to be my insurance provider 😁
...
Phil D.
Nov 24, 2020
Your company stood by us when we need…
Your company stood by us when we need you most while our young pup was very sick. The expense was astronomical, yet your initial promise to cover many of the expenses was well kept. Kooper is well again, and you have our business for as long as he lives. We can't make a stronger recommendation for pet owners to insure with Trupanion!
...
Gayle
Nov 23, 2020
We reviewed 8 different pet insurances...
We have 2 cats that we wanted to ensure - ages 8 & 9. The on-line Trupanion process was efficient. I reviewed around 8 different pet insurance plans, and Trupanion had the most convenience and coverage we wanted. I also talked with a representative (Beth) from Trupanion who was very helpful. Thanks!
...
Christina Choi
Nov 21, 2020
Both of my cats are on Trupanion
Both of my cats are on Trupanion, and boy was I glad because they covered my one cats 7000$ surgery. There was a cancer scare and after 5 biopsies we now know that’s not the case. I will be a customer for life because they have been extremely helpful and speedy when it came to payment!
...
KMcMillan
Nov 21, 2020
Pre-existing symptoms are the same as Pre-existing illnesses
I am shocked at the way I have been treated by members of Trupanion. My experience with them was the worst I have ever experienced. I was denied on every occasion, for coverage for my dog - whom is under two years old, all because he vomited as a puppy (he ate a sock). They would not treat any issue if vomiting was involved - they even stated that "if he was his by a car and vomited, they would not cover any medical treatment because he vomited." If they vet does not word the visit a specific way, even if it is a new incident or injury, you are denied. They denied every single claim and the managers I spoke to denied me from requesting further assistance and speaking with someone above them. I am so disappointed with their service. Don't be tricked - Trupanion treats pre-existing symptoms the SAME as pre-extisting conditions. I hope someone from Trupanion will reach out to me and rectify this issue, I am sorely disappointed and hurt by my experience.
...
Chris Harrison
Nov 17, 2020
Will take your money but not pay a claim
After 8 months of premiums and hundreds of dollars paid, they denied both of the first two claims I filed after my dog had an injury. They're trying to stretch a single minor note on his last physical to broadly mean "previously existing condition", despite him experiencing a sudden, acute, traumatic event.
...
Tori Ann Williams
Nov 14, 2020
Trupanion was the easiest health…
Trupanion was the easiest health insurance company I have ever had to deal with. They explained everything completely. The customer service representative really took her time letting me know the process and the results. I would recommend them to any furbaby parent!!
...
Kimberly
Nov 14, 2020
Trupanion is the BEST!
We are so happy we insured our dog with Trupanion! We have gone through 3 surgeries and Trupanion has had our back the whole time! We have never had a single problem with our claims. I highly recommend Trupanion!
...
Laura
Nov 13, 2020
Quick and easy claim experience
Trupanion always makes my claims super easy. I have never had an issue and I have been with the for almost 6 years. They are always quick to process claims and I have been happy with the service I’ve received.
...
Joanne Matheson-Smith
Nov 13, 2020
It is comforting to know when your pet…
It is comforting to know when your pet gets older that you will have the funds to help them through any ailments <3
...
Grazyna
Nov 12, 2020
I am very happy with Trupanion
I am very happy with Trupanion. The response to the claims is very fast and my expenses are refunded very fast too. No hassle. It is a reliable company.
...
Nora
Nov 12, 2020
Excellent customer service
Excellent customer service! Highly recommend if you are in need for pet insurance
...
Kimberlie
Nov 12, 2020
Can’t get a status update on claim
The customer service representatives that I have spoken to have been very courteous and kind, but I can’t seem to get a straight forward answer regarding the status of a claim submitted almost a month ago, which is very disappointing. I have called several times and have spoken with a number of different representatives. Apparently, the person assigned to my claim is non-responsive to customer service requests and does not update their notes so that others can provide an accurate status. I have had my policy with Trupanion for 6 years now, and am contemplating switching to another carrier because of this.
...
Hilda
Nov 12, 2020
My dog had surgery on both legs
My dog had surgery on both legs. My claim with trupanion was handled promptly l was kept informed with my coverage at reasonable time. Overall pleased & would recommend to friends
...
Edward
Nov 12, 2020
My poor dog Giuseppe developed cancer…
My poor dog Giuseppe developed cancer before he was 2 years old. Trupanion has been covering his cancer treatment and the leg amputation he had to have due to the tumor since it first developed. We started his Trupanion Insurance when he was 8 weeks old. They've been fast, efficient and oh so caring about my dog. I don't know what we would do without Trupanion to help us along this most difficult time.
...
Frustrated Customer
Nov 26, 2020
Greed should be the motto. Regret choosing this company.
If I could put I zero, I would. This is an absolute waste of money. If your dog has an ailment of any kind, be prepared to simply pay all the bills yourself. They will continue to ‘process’ your claim for several months and then inform you that they cannot process the claim due to them not having the documentation provided. When you submit a claim, you upload the receipt. How does it get lost? Obviously they had the information when they began to ‘process’ the claim. The point of getting this was to ensure that if anything were to happen to my dog, I would not have to worry about being able to choose the absolute best option without fear of going in massive debt in the other parts of my life. My dogs are like my kids and I am willing to do anything for them, but this was garbage. It was a considerable payment each month so they can slowly process a claim and then process it longer when they somehow do not have the receipt that you originally provided. It seems like a profitable system for them. Greedy and corrupt! Taking advantage of people who love their pets! This company knows what they are doing, getting monthly payments as they take as long as possible to get more of those monthly payments before they decide to even bother with their clients. Because it takes months to call a vet to verify that the invoice and treatment are real and whether or not it is covered?!? It is just ridiculous. They will make all of these promises and explain all of the ways that they help, but it is all lies. Just save that money each month for any possible emergency. At least it will be going towards something of use.
...
Lynn Thoms
Nov 11, 2020
When my beloved 4 yrs old American…
When my beloved 4 yrs old American bulldog when into organ failure and ultimately died, your team handled me with care and compassion. More than the actual vet hospital he was in. On the phone compassion was shared and I appreciated your quick Reponses to help. I am saddened but overall pleased with the support and service received. Lynn Thoms
...
Parents of a Cattle Dog
Nov 11, 2020
Insuring your pets quality of life
We adopted a puppy who is an absolute joy in our life. However he has had health issues and a ACL TEAR. Trupanion has enabled us to provide the care he has needed in a timely manner, ensuring his good quality of life
...
jagg
Nov 11, 2020
i love Trupanion because they are…
i love Trupanion because they are swift, fair and consistent. our veterinary clinic puts the claims in automatically, and the turnaround time is a few mins (including text updates from Trupanion). i would urge clinics to work in this way with Trupanion, because the one time we had to travel 100km for dental surgery (our neighbourhood clinic could not do dental surgery at first due to the pandemic), the surgeon's practice did not have an automatic claim-filing relationship with Trupanion and the reimbursement (more than C$2,000) took two weeks. so that was a drag, but that is one time out of many, and i fault the surgery not Trupanion.
...
Marcella
Nov 11, 2020
For me Trupanion help with my Yorkie…
For me Trupanion help with my Yorkie that was sick and this plan help a lot!! I recommend.
...
Judy
Nov 11, 2020
So grateful for Trupanion,,,,,,,monthly…
So grateful for Trupanion,,,,,,,monthly fee keeps rising,,,,,this is very bad for us,but not having Trupanion would be worse,,,,, Trupanion has really made all the difference for the big stuff,,,,,thank u Trupanion for keeping your word and being so pleasant and timely.
...
Penny
Nov 11, 2020
Donkey thanks you 💕
Hi. Donkey is a 12 year old chihuahua. A few years ago he was coughing and not breathing very well. After a number of tests and the vet also consulting with another specialist, the result was congestive heart failure. This was the truly one time I was so thankful that I have pet insurance with Trupanion. I could never have afforded to get him the proper care he deserves if I did not have this insurance. Donkey is on two medications twice a day. And now he is also on a puffer. Trupanion has covered everything. Sometimes I think paying the taxes and the ten percent it can get pricey for me. Living alone can be difficult at times. But then I think about what Trupanion has paid for and still paying for to keep Donkey from suffering or worse put him down. He can’t run around for too long and at times his breathing is bad. But then there are times he can play like a puppy and get excited over everything. Trupanion has always answered any questions I have asked. They are super polite and very caring. I did a lot of research before I signed on with Trupanion. All the others did not come close as far as payments and the amount of money they will cover. I was fortunate to have picked the right insurance company. Because of Trupanion I still have my baby, and he has a pretty good life. Last check up he still has heart problems but he does not have congestive heart failure. I know it will return, but we are grateful for the huge amount of time left because of Trupanion. Thankyou. Penny and Donkey
...
Rob & Wendy
Nov 11, 2020
Fast and efficient in processing claims…
Fast and efficient in processing claims submitted by our vets. Very happy with the service.
...
Gessykka
Nov 11, 2020
Trupanion is AMAZING
Trupanion is AMAZING! It saved our dog’s life.
...
Mary
Nov 11, 2020
Trupanion has made it affordable for me…
Trupanion has made it affordable for me to pay for my dog’s one very expensive medicine (almost $400 a month).
...
Paul
Nov 11, 2020
Been with Trupanion for about 10 years…
Been with Trupanion for about 10 years and never had a problem.. Always courteous and and fast with payments.
...
Cynthia Kelly
Nov 10, 2020
Lifesaver for three little rescue dogs
I have Trupanion for three small dogs. Two of them are at least eleven years old (we're guestimating, as they are both rescues), and during the past couple of years have had major medical problems. Trupanion was helpful and very prompt, in paying my claims to the full extent of my coverage. I honestly don't know what we would do without it.
...
Amy
Nov 10, 2020
Trupanion Came Through for Us
Our dog jumped out of a moving car and needed life-saving surgery to repair a spinal injury. (His seatbelt clip broke - a good lesson to check seatbelts regularly.) Trupanion covered 90% of the cost, which was over $8,000. When the vet started talking about the costs, I quickly told him we had Trupanion, and that the medical decisions could be based on Manny's medical condition and not based on the expense. Trupanion even paid the hospital directly. That allowed us to focus on Manny's recovery, and he has improved from paralysis to almost normal in the last 8 weeks. Thank you Trupanion! We are customers for life.
...
Ana
Nov 10, 2020
Excellent customer service and very quick on covering claims
I have had trupanion since my canine was born. He suffers from allergies and preexisting conditions. That they have been very great with covering. He will be 8 years this month and I could not be more pleased with their service
...
Eddie
Nov 10, 2020
Great no hassle insurance for pets
Great no hassle insurance for pets
...
Nichole
Nov 10, 2020
Everything you hope for in insurance
Everything you hope for in insurance! I have a special needs dog! Everything that has come up has been covered! I highly recommend!!
...
Jennifer
Nov 10, 2020
I have had nothing but good experiences…
I have had nothing but good experiences with Trupanion. They are very fast at getting back to you when you put a claim in and unfortunately I have had to put in a nice few claims lately as my German Shepard ended up having to have knee surgery this summer and it was great to know he was getting the best care possible and I didn’t have to worry about the bill in the end as I had Trupanion so I was able to offer him the best so he would not be suffering. It is a relief when you have insurance and you just pay your monthly bill and when something goes wrong you don’t have to worry about what it is going to cost as my 2 dogs are my children. Thank you Trupanion!!!
...
Nancy
Nov 10, 2020
You must have pet insurance!
After one of my friends had a huge vet bill with her dog, and my own experience with my previous dog, I vowed to obtain pet insurance with my next pet. Good thing we did because our little Maltipoo ruptured one of his discs jumping off of our kitchen table when we were not home. Trupanion was so great about the claims procedure and reimbursed us within 10 days after making the claim. I advise anyone with a pet to obtain Trupanion pet insurance.
...
Sue
Nov 10, 2020
Best Pet Insurance
Very helpful & caring employees. Quick decisions & payment. Very easy to submit bills. Great coverage!
...
Adrian
Nov 10, 2020
Fibrocartilaginous Embolism
My Yellow Labrador suffered a Fibrocartilaginous Embolism back in March just as the COVID lockdown was starting to kick-in which resulted in Gabby having to be hospitalized for a couple of weeks resulting approximately $12,000 (CDN) in vet and rehab bills which were fully covered by Trupanion minus any deductibles. Claim process was simple in which the vet billed Trupanion directly thus eliminating the need to pay out of pocked. I've had Trupanion since Gabby was a pup and it's events like this that makes Trupanion worth the monthly fee.
...
Marion
Nov 10, 2020
Pet insurance is a must with our pack
Pet insurance is a must with our pack! It has allowed me to provide the best possible care for my dogs. ( better medical care that I get!) I have no hesitation taking them to specialists or requesting tests, xrays, ultrasound examinations. Please consider the peace of mind and comfort this brings to a sensitive or urgent situation.
...
Vanessa
Nov 10, 2020
Always been a pleasant experience.
I have had nothing but a pleasant experience with Trupanion since I first signed up about 6 or 7 years ago. Claims are always processed quickly, and thanks to Trupanion express, my vet clinic can direct bill which makes it WAY easier! If it weren't for Trupanion, I would not have been able to get emergency back surgery for my dog and give her the ability to walk again.
...
Kelli
Nov 10, 2020
Working with Trupanion is so easy and…
Working with Trupanion is so easy and friendly. I will say that I wish you covered more of the emergency bill that we have instead of saying some of the bill was routine checks and therefore not covered. Nothing was routine about taking Angel to an Animal Hospital when she was bleeding during urination. Everything they had to do was because of this situation and should have been covered in my opinion. So in that regard I am sad because our monthly insurance payment is not inexpensive. However, like I said, Trupanion is very quick to respond and always very friendly. Submitting a claim is also super easy so thank you for that.
...