Trupanion Review

ByBestmoney StaffDec. 30, 2020
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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 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

Trupanion customer testimonials

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  • author
    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"!

    ...

  • author
    Rodrigo Gonzalez Hermosillo
    a day ago
    so efficient

    so efficient, it is a need!

    ...

  • author
    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!

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  • author
    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.

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  • author
    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!!

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