Trupanion Pet Insurance Review


Rating: 9.6 / 10 (Excellent)
286 Customer Comments & Reviews - see all comments
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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 if they get sick or injured, and also covers additional items like prescription pet foods, orthotic devices, and carts.

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 - 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, for example, Healthy Paws Pet Insurance or Petplan Insurance, provide these services standard, they are only available through Trupanion at extra cost.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Vet Selection
Unrestricted
Out of State Coverage
Commercial Pets Covered

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

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.
Benefit Limit Types
Unlimited

Reimbursement & Deductibles

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

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

Pricing: How much does Trupanion 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.

Starting Monthly Premiums

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

Enrollment & Waiting Periouds

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.
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

Claims & Service

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.
Advertised Response Time
7 days
Claim Form
Online Portal

Contact & Additional Information

Homepage URL
Headquarters Address
6100 4th Avenue, Seattle, WA, 98108
Mailing Address
6100 4th Avenue, Seattle, WA, 98108
Year Founded
2000

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286 Customer Comments & Reviews

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W
Willi R
Littleton, Colorado

1/18/2017
Trupanion has been the best. They pay claims quickly. I have been so satisfied that I recommend them to everyone. Thank you for peace of mind. The only thing they do not cover is teeth cleaning which I wish they did. But my cat's radiation treatment and diabetes has been covered. I have had insurance for 10 years and been very satisfied.


S
Shawn D
Seattle, Washington

1/14/2017
Great customer service and true to their word about coverage. I am glad I am a Trupanion customer, and will be one for life!


Kathy D
Hurst, Texas

1/11/2017
Our French Bulldog has allergies now, joy! Lol we have summited his claims and so far they have been quick to respond and they give us a break down on the total cost that goes towards his deductible. Very quick and easy! Thank you!


C
Co
Greeley, Colorado

1/11/2017
Trupanion provides excellent service and their representatives are all like family members. I'm so thankful to have found them for my little Bichon Darlin.


M
Michelle
Richmond, British Columbia

1/10/2017
I have been with this insurance since I got my cats and they have always been great. However,consumer be aware,that if you use it for your pet once its sick/injured,and the bills are a lot,your premiums go up a lot,despite that the insurance claims owners will never be punished by increasing their premiums.Thats a false statement .They do go up. I enrolled one of my cats when he was a kitten. I paid $ 19.00 and was assured it would never go up. I am paying now $83.98 a month .Just want people to know.This insurance is great but comes with a huge price tag


J
Jill s
Kent, Washington

1/10/2017
Claims were easy and fast. Enough stress dealing with my dog's medical issues, so nice that the financial aspects are so much less of a worry because of Trupanion. Highly recomend.


E
Eleanor M
Annandale, Virginia

1/8/2017
The best so far, staff are very friendly and accommodating, right after the hospital submitted the vet expenses they processed the bill right away. It took me time to decide which insurance i should use and this one was highly recommended by the vet hospital and i am glad I insured my puppy with Trupanion


F
Fran
Eden, North Carolina

1/8/2017
We had a Siberian husky that tore 2 ACL on the same day One was a complete tear and other was partial. As a result she needed 2 surgeries. Cost was more than $10,000 and trupanion covered 90% of the total including medication. We got our money back in a week. I had only had the insurance for almost 3 months. My wife and I agreed this was the best purchase made since the expenses was the amount of a decent used car. Since then we have another husky and she has insurance and just adopted a rescued husky pup at 9 weeks of age and she will get it as well. We encourage everyone to consider this insurance for those 4 legged members of the family


W
Woudy S
San Diego, California

1/8/2017
I am glad we opted for medical insurance for our puppy. She ended up with a yeast infection in her ear. Due to certain circumstances she needed to be medicated under anesthesia. True Companion gave us great service. All transactions are done through my vet same day. Pertinent information is given to me at time of appointment. In addition, I receive an email same day with all billing information. I enjoy the promtness of this service. Glad we opted for insurance coverage.


Anita R
Penticton, British Columbia

1/8/2017
Trupanion is very easy to work with, very easy to communicate with and they are super fast with approvals and correspondence....they have awesome customer service reps with great attitudes, and are also very empathetic... they are a great company with unlimited coverage...i would highly recommend them to anyone!



Top Rated
Our Partner
9.8 / 10
  • Consistently #1 in customer satisfaction, A+ BBB
  • Chosen by almost 90% of ConsumersAdvocate.org visitors
  • Comprehensive illness and accident coverage
  • Unlimited lifetime benefits + no claim caps!
  • Annual deductible (recommended)
  • Free mobile app & no claims forms