Trupanion Pet Insurance Review

Trupanion (NYSE: TRUP) is a self underwritten pet insurance company based in Seattle, Washington that sells pet insurance for dogs and cats. Founded in Canada, the company expanded into the United States and Puerto Rico in 2005. Trupanion offers policies that cover your pet i f they get sick or injured, and also covers additional items like prescription pet foods, orthotic devices, and carts.

Rating: 9.6 / 10 (Excellent)
282 Customer Reviews - see all reviews
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How is Trupanion rated?

Breakdown

10/10
Coverage
10/10
Benefit Limits
10/10
Deductibles
10/10
Reimbursement
9/10
Claims and Service
9/10
Pricing
9/10
Enrollment

Overall Rating: 9.6 / 10 (Excellent)

Trupanion has comprehensive coverage and a great reputation, scoring an excellent rating on TrustPilot and a an A+ grade with the BBB. However, although unlimited per-incident lifetime coverage is a great perk, it can be far more coverage, and consequently far more expensive to someone who simply doesn't need it. And that highlights the main issue with Trupanion, inflexibility. They have only one plan, one benefit limit, and one high reimbursement percentage. This does not give consumers the opportunity to "adjust the knobs" and change the cost of their monthly premium.

Trupanion Coverage

Coverage Specifics

Pets Covered
Dogs
Cats
Coverage Types
Medical
Vet Selection
Unrestricted
Out of State Coverage
Commercial Pets Covered

Coverage - 10 / 10

Trupanion offers quite comprehensive coverage that even covers prescriptions and prescription foods. As with most plans, the company will not cover preventative care, taxes, exam fees, or pre-existing conditions. Trupanion also additional "owner assistance" coverage. This package includes third-party damage, trip cancellation, advertising and reward, alternative therapies, and breeding dog protection. Though some of our better featured pet insurance companies provide these services standard, they are only available through Trupanion at extra cost.

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy
  • Prosthetics & Mobility Aids

Reimbursement & Maximum Benefit Limits

Reimbursement - 10 / 10

Unlike other companies, Trupanion does not allow you to choose a reimbursement percentage. They only offer 90%. While this is a generous reimbursement, it limits the client's flexibility in customizing their premium. It might more suit a customer's particular pet situation to have a lower reimbursement percentage and lower monthly premium.

Benefit Limits - 10 / 10

Trupanion offers no limits on benefits of any kind, per-incident, annual, or lifetime. While this is indeed a great feature for peace of mind, again, it might suit a particular customer's situation to not have unlimited coverage. For example, someone might know from past experience or the vets in their area that there will be a rock solid limit to what they will possibly spend in a year. Other companies might offer a benefit limit in line with this, and as a result a much lower monthly premium. Having the option is always a good thing.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
90%
Maximum Percent Reimbursement
90%
Benefit Limit Types
Unlimited

Claims, Service, & Deductibles

Claims and Service - 9 / 10

Trupanion says claims will be fulfilled within 60 days. Although, this is twice as long as some of our other carriers you must keep in mind Trupanion is one of the few pet insurance providers who have the capacity and technology to pay your vet or hospital directly. This is a huge deal as, unlike most other plans, with Trupanion you never have out of pocket expenses. The company requires you to download the claim form via online portal, then submit it by email, mail, or fax.

Deductibles - 10 / 10

Trupanion sets itself apart from the pack by offering a per incident lifetime deductible. This means that your deductible will not reset annually. For a given condition, once you pay your deductible, you can receive unlimited benefits for the rest of the pet's life. Among Trupanion's deductible choices is a $0 deductible, which most plans do not offer.
Advertised Response Time
7 days
Claim Form
Online Portal
Deductible Type
Annual
Minimum Deductible Offered
$0
Maximum Deductible Offered
$0

Pricing: How much does Trupanion cost?

Starting Monthly Premiums

Dogs
$59.21
Cats
$32.41
Rate Details: Annual Deductible: $700, Benefit Cap: Annual & Unlimited, Reimbursement Model: 90% of Actual Cost

Pricing - 9 / 10

Trupanion's premiums are definitely on the high end of the spectrum. Although the coverage is quite comprehensive, similar coverages are available for up to $20 less a month.
Available Discounts:

Enrollment

Enrollment Age & Waiting Periods

Min Enrollment Age
0 weeks
Max Enrollment Age
13 years
Accident Waiting Period
5 days
Illnesses Waiting Period
30 days
Free Look Period
30 days

Enrollment - 9 / 10

Pets are eligible to enroll from 8 weeks to 14 years old. Trupanion has a 5 day waiting period for accidents and a 30 day waiting period for illnesses. As opposed to other plans, Trupanion does not have any malady specific waiting periods for things like dysplasia and cruciate ligaments.

Contact & Additional Information

Homepage URL
Company Phone
(888) 733-2685
Headquarters Address
6100 4th Avenue, Seattle, WA, 98108
Mailing Address
6100 4th Avenue, Seattle, WA, 98108
Underwriter
American Pet Insurance Company
Standard & Poor's Financial Rating
NR
Moody's Financial Rating
NP
AM Best Financial Rating
A-
BBB Rating
A+
Year Founded
2000
Start your review for Trupanion Pet Insurance

Latest Reviews

8.12
Based on customer reviews
282 Reviews
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R
rick
Woodland Hills, California
7/27/2017
My dog developed a chronic illness which would cost Trupanion more each month than our premiums. This was something which Trupanion would not allow. So, when it came time to renew the policy (which is done every year), they just didn't renew it. When I spoke to them on the phone, I was given multiple conflicting "explanations" but in the end, the reason was simply that my policy was not profitable. So, they dumped it. (this was confirmed by a supervisor in a moment of surprising candor) I also learned that they use this non-renewal as a way to dump all pets when they reach 14 years old. There has been a clear change at Trupanion, a move to raise profits at the expense of pets'... Read More

Lynn B
Four Oaks, North Carolina
7/25/2017
For 15 years I covered my animals through Veterinary Pet Insurance (now Nationwide Pet Insurance). I was fairly satisfied with their benefits, but when a cat recently maxed out on his benefits for renal lymphoma I decided to switch my other animals to Trupanion because they claimed there was no maximum on benefits. Four months after enrollment, another cat was diagnosed with small cell lymphoma in her intestines and Trupanion is denying my claim totaling over $6000 because the cat was long ago diagnosed with food intolerance for which she has been symptomless on a select protein diet for 9 years. Two other (fortunately benign) conditions that were not in her digestive tract were... Read More

Kim O
Oakland, California
7/23/2017
I had purchased a new puppy. Took him to the vet one day after taking possession of the dog for a full physical examination. Received a clean bill of health. Went home, enrolled with Trupanion under their promotional deal offered to me by my veterinarian, which waived the initial registration fee and effectively enrolled my pup immediately. Approximately six to eight hours later, I had to rush my pup to emergency vet services because he went into respiratory distress and had vomited. He was so sick, he was hospitalized overnight. I come to find out that my pup had developed pneumonia from two infections, Bortadella, even though he has received the vaccination, and Respiratory Corona Virus.... Read More

A
Allison
San Jose, California
7/11/2017
Spent more money to them than any claims they covered! After an incident with my dog costing over $1600, I got insurance with Trupanion to be prepared. They covered minor things here and there when they came up, but every year my policy increased by over $10 per month. When I went to cancel they tell me if I ever try to reinsure it will be at her new age, not when she signed up. How does that save me?! you increase the rate every year! Finally, my dog needed some behavioral therapy (as included in her plan) and I was denied! Told she did not meet the waiting period, behavior is an illness not an accident (again..not listed in their policy!) etc. etc. I have spent FAR more for insurance... Read More

N
[email protected]
Westminster, California
7/5/2017
I've had five dogs insured with Trupanion in the last six years.  After having a dog with bone cancer and paying five figures for her care, I decided I'd never be without insurance again.  A friend of mine recommended Trupanion so ... I signed up!   I've filed claims for arthritis, cysts, GI issues, liver disease, spinal disease and three cases of cancer all covered at 90%.   Thousands of dollars in claims paid as oncology is expensive.  $16k for my last cancer dog and Trupanion paid over $14k of it. I think what people need to understand is that this is not for routine care.  This is for the unexpected stuff!  Luckily, my third dog is healthy and I have only filed one small claim... Read More

Jason V
Denver, Colorado
6/28/2017
READ THE FINE PRINT. There are better insurance companies out there…. I really wish I could have wrote a good review for this company, but it is pretty obvious that they will find any way not to help its paying customers. For all of those considering Trupanion, please be sure to read the fine print before signing up – specifically “Once you meet the Deductible amount for a specific Illness or Injury, this policy will pay out all future losses for that specific Illness or Injury”. Simply put, be prepared to pay multiple deductibles for each illness/injury your pet may acquire, and don’t be surprised when Trupanion tries to find a way to separate similar treatments to make you pay multiple... Read More

M
M L
Anaheim, California
6/25/2017
I have been a Trupanion customer for seven years - beginning when my dog was 2 months old. In late Jan/early Feb I changed my email, phone number, and address. Every now and then I would skim through my old email account to see if there was anything of importance. One of those times was Fri, June 10th. That's when I noticed an email from Trupanion dated May 15th notifying me that my policy was cancelled. I immediately contacted Trupanion and asked that my policy be reinstated. The representative advised me that it could not be reinstated and that I would have to re-enroll at a much higher cost. I mentioned that the policy hadn't even been cancelled for a full month and he said it... Read More

R
Ruth P
New York, New York
3/22/2017
I have found that Trupanion can be a helpful provider, but when they make a mistake--as they did once with me--it took me several months of repeated calls and emails to have them redo their paperwork, despite the fact that a clerical at Trupanion had miscoded some paperwork. Had I not persisted, I would have paid hundreds of dollars. Just last month they raised my premium 35%--when I telephoned to inquire, I was told this was based on my dog--an English Springer Spaniel, age [she's 8] and the cost of vets in my area, New York. In fact, office visits at my vet have not gone up. I have yet to be given an honest and credible explanation for this significant increase. When they're good,... Read More

S
[email protected]
San Luis Obispo, California
1/25/2017
Trupanion has proven time and time again to be a great partner in keeping our Stella healthy and happy! It is key that we continue to work on prevention with our little girl and Trupanion has supported us the entire way. Claims are easy, paperwork is quick and turnaround is amazing. I hope they add "people" insurance soon. I'll be the first to sign up.

M
Muriel H
Jeffersonville, Indiana
1/21/2017
The person with whom I worked (Brian) was extremely helpful and could not have been nicer. My checks arrived immediately. I highly recommend this company and am very pleased that I have insurance with them.

Start your review for Trupanion Pet Insurance