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)
276 Customer Reviews - see all reviews
Disclosure: We receive advertising revenue from this partner. Learn more.

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.

Company Profile

Full Name
Trupanion Pet Insurance
Year Founded
2000
BBB Rating
A+
Underwriter
American Pet Insurance Company
Moody's Financial Rating
NP
Standard & Poor's Financial Rating Financial Rating
NR
AM Best Financial Rating
A-
Company Website
Headquarters
6100 4th Avenue, Seattle, WA, 98108
Mailing Address
6100 4th Avenue, Seattle, WA, 98108

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

Benefit Limits

Specifics

Benefit Limit Types
Unlimited

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.

Deductibles

Key Facts

Deductible Type
Annual
Minimum Deductible Offered
$0
Maximum Deductible Offered
$0

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.

Reimbursements

Key Facts

Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
90%
Maximum Percent Reimbursement
90%

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.

Claims & Service

Key Considerations

Advertised Response Time
7 days
Claim Form
Online Portal

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.

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.
Start your review for Trupanion Pet Insurance

Latest Reviews

8.18
Based on customer reviews
276 Reviews
Loading Reviews ...
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.

L
Lisa O
Malverne, New York
1/20/2017
One of the best thing I every did for myself and my puppy was to get Trupanion Pet insurance. Whenever my puppy goes to the vet, a bill is submitted to Trupanion, and if anything such as tests, medications, etc, is related to her medical condition, I receive a reimbursement check within days. Wellness visits and regular immunizations are not covered. Prior to the puppy I have now, I had a rescue dog that lived to be 16 1/2 yrs old. In all those years, she only went to the vet once a year for her annual shots & check-ups. But when I got my puppy, the vet discussed the insurance and despite reservations, I took out the policy. The best thing I ever did and I tell everyone I know who has a... Read More

R
Robin W
Compton, California
1/20/2017
My eight month old puppy needed surgery and my veterinarian's front desk took care of my claim and deducted what Trupanion was paying. It was the easiest claim process I've ever experienced with any insurance company! I highly recommend Trupanion!

D
Dianna U
Edmonton, Alberta
1/20/2017
I'm grateful to the helpful staff of Trupanion for making such a stressful time, for my dog Mattie and, I much easier. Prompt service is awesome. Mattie is my best buddy and am glad that with Trupanion I could afford to get him the vet services he needs. Thank you!

Patty M
Wellesley Hills, Massachusetts
1/20/2017
I have had a great experience with Trupanion. My dog has been sick for about two months. It took over a month to diagnose his cancer after many diagnostic scans and surgery. Its very easy to scan the receipts and submit the bills to Trupanion for payment. They have acknowledged receipt of the claims within 24 hours, and I have received payment within a week or so. Their prompt response has taken worry over the large cost of my dog's treatment out of the equation, so I can concentrate on caring for him. I highly recommend Trupanion.

Lamara M
Montreal, Quebec
1/20/2017
At the worst time in my life, Trupanion was there for me! They took care of everything. When people tell me how crazy I am to have insurance for my pets, all I have to say is you have no clue how truly wrong you can be. Me experience with my suddenly deathly ill boy and all the support and help I got through Trupanion has made me a client for life. The Ease of mind and support you get is worth every penny. Thank you is not enough!

R
Rick C
Cochrane, Alberta
1/20/2017
Trupanion does what they say they will do. They do it quickly with no hassles!!. Never had a bad experience.

Start your review for Trupanion Pet Insurance