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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C
Cheryl C
Durham, North Carolina

1/4/2017
Historically, I've not viewed insurance companies very favorably, succumbing to ever rising premiums, mediocre customer care and shrinking benefits. That was BEFORE becoming a customer of Trupanion five years ago, when I adopted my toy poodle, Ginger. Trupanion has consistently wowed me with attentive customer service, lightning-fast response time, very fair reimbursement for vet procedures and reasonable premiums for top-notch insurance care. There is absolutely NO reason why a pet owner should not purchase insurance through Trupanion. If you care about the long-term health and well-being of your pet and are committed to its loving care for a lifetime, Trupanion is the company that... Read More


C
Chris B
Escondido, California

1/3/2017
Trupanion handled the claim process for my cat's emergency procedure fast with a very easy claim form. The payment came in the mail very quickly. I cannot say enough good things about their service.


C
Candace G
New York, New York

1/3/2017
Although Trupanion doesn't cover routine exams and preexisting conditions when there is a catastrophic illness they were there. My 8 month old kitten was extremely ill. Without my having trupanion covering the expenses I would not have been financial able to cover her medical costs. She most surely would have died or I would have had to make the decision to put her down. The only down side to Trupanion is that I had to pay the hospital before she was treated and then wait for reimbursement. It would be nice if they would pay the hospital directly. They paid in a reasonable time and i was relieved and pleased. This was my first claim with them. Snooks is here because I took out this... Read More


C
Christie C
Lewis Center, Ohio

1/2/2017
Quick, professional response. Received payment for my claim very promptly. Unfortunately, this was my second claim. However, I'm extremely pleased with Trupanion's service!!


S
Shaine
Saugerties, New York

1/2/2017
Love them, and filing claims is easy and fast. Thank you for being there when we need you the most


J
Jennifer
Anchorage, Alaska

1/2/2017
I could not be happier with Trupanion pet insurance! Our puppy needed x-rays, MRI and surgery on his spine. These were very expensive but absolutely needed procedures for the healthy of our little guy. Trupanion answered all my questions quickly and always had excellent customer service. They helped cover all cost without any issue and reimbursed us the upfront cost we had to pay within a very timely manner. We would not have our now healthy and happy puppy without them. I can not recommend Trupanion insurance enough, they have really came through for our family!


B
Bobby W
Saint Augustine, Florida

1/2/2017
I adopted a 9 year old female Lab and questioned whether I should get health insurance for her. I called around and my Vet suggested Trupanion. I selected the plan where Trupanion pays 90% and I pay 10%. People had told me that the pet insurance policies are all alike in they don't pay much of anything. I had also been told by friends about the health issues that affect older dogs. Yes, Trupanion is more expensive than other pet insurances but they deliver great services.. My lab developed a Mast Cell Tumor and had to have surgery... it is an expensive procedure. They paid my vet directly and promptly... how good is that? I can't say enough about the prompt and professional... Read More


J
Jacqueline M
Boston, Massachusetts

1/1/2017
If it weren't for Trupanion I wouldn't be able to afford the very best care for my baby. When her knees went, I went to Angell in Boston, the very best animal hospital anywhere and was confident that whatever needed to be done would be done to help Sugar and the bill wouldn't kill me!


L
Loiscadwallader@gmail.com
Albuquerque, New Mexico

1/1/2017
The new system delivers an immediate discount upon checking out at the Vet's office. Now that's fast!


S
Susan
Sacramento, California

12/31/2016
Trupanion's claim process has been straightforward and understandable. They have paid the claims according to the policy without any hassle. The claims have been paid promptly. I wish human health insurance worked this well!



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