Trupanion

Trupanion

 3.7/5 (425 reviews)
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  • 1 stars

About Trupanion

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For over 20 years, Trupanion pet insurance has offered comprehensive dog and cat insurance. It covers 90% of customers’ vet bills for accidents, illnesses, injuries, surgeries, hospital stays and many other costly vet visits. Trupanion does not cap payout limits to ensure your pet’s health needs are met. It sets lifetime deductibles for every condition, so there is no need to reach a new deductible every year for long-term conditions. Trupanion also pays veterinarians directly, simplifying the process for consumers. Pet owners can also purchase additional coverage (Recovery and Complementary Care package) for services like acupuncture, chiropractic treatment and hydrotherapy.

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    Overall Satisfaction Rating

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    Pros

    • Direct payment to veterinarians
    • 90% coverage
    • No payout limits
    • Lifetime per-incident deductible

    Cons

    • No discount for multiple pets
    • No coverage for routine wellness

    Bottom Line

    Trupanion pet insurance offers deductibles based on individual conditions, along with customizable coverage and a variety of deductible options.

    Top Trupanion Reviews

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    Rated with 5 stars
    Verified

    Trupanion was a lifesaver. When both my dogs had serious medical issues at the same time, I had $10,000 in vet bills. Trupanion paid most of it. I was able to take care of them wi...

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    Rated with 5 stars
    Verified

    My dog was diagnosed with a mast cell tumor and needed surgery and further treatment... I submitted my 1st claim and within 2 weeks I got reimbursed for 90% minus my deductible in...

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    What is Trupanion?

    Trupanion offers both dog insurance and cat insurance. With Trupanion, all customers receive one simple plan that makes clear what’s covered and what’s not.

    Trupanion plans cover all unexpected injuries and illnesses, reimbursing customers for 90% of their vet bills without payout limits once they’ve met their deductibles. Trupanion’s customer service team also lessens billing hassles by paying veterinarians directly.

    Once you’ve enrolled, Trupanion’s waiting period for injury coverage is five days, which is shorter than the industry standard of 14 days. However, the waiting period before it covers treating any illnesses is 30 days.

    Trupanion plans

    Trupanion pet health insurance offers just one type of plan, although it’s applicable to both cats and dogs. Trupanion’s pet insurance plan is more expensive than many of its competitors', but the plan is comprehensive, and rates don’t automatically increase as your pet ages. With Trupanion’s lifetime, per-condition deductible, customers save more in the long run for chronic conditions, too.

    What does Trupanion cover?

    Trupanion pet insurance covers 90% of the cost to treat any new illness or condition that your pet experiences during the policy’s term. Its policies do not cover preexisting conditions, including any illness, injury or condition that your pet had before enrollment.

    You have to wait at least five days to get coverage for injury treatment and 30 days for illness care. This is why it’s a good idea to enroll your pet while it’s young and healthy, before anything potentially serious and costly happens.

    The company covers 90% of the cost of hereditary diseases, unidentified issues and congenital illnesses that are not preexisting conditions. This includes health problems that many other providers don’t cover, including:

    • Hip dysplasia
    • Vitamins and supplements
    • Dental illness
    • Orthopedic issues

    How much does Trupanion cost?

    Trupanion dog insurance costs between $36 and $100 per month for most breeds, and Trupanion cat insurance costs between $23 and $57 per month. With Trupanion, pet owners can customize their coverage with a deductible up to $1,000 and add coverage enhancements, such as recovery care and pet owner assistance. Coverage enhancements add a few dollars to your premium every month.

    Trupanion pet insurance plans include lifetime, per-condition deductibles instead of annual deductibles, meaning customers don’t have to keep paying year after year for a chronic condition. Once you’ve met the deductible for your pet’s condition, you’ll never have to pay the deductible again to treat it.

    Trupanion does not offer a discount for multiple pets, but it does have a 30-day money-back guarantee if you’re not satisfied.

    Trupanion FAQ

    What is not covered?

    Exam fees, taxes, wellness and preventive care and preexisting conditions are not covered. For an additional cost, you can purchase the Recovery and Complementary Care rider to cover alternative therapies and treatments.

    Does Trupanion cover vaccinations?

    No, Trupanion’s pet health insurance plan does not cover vaccinations. It only covers unexpected expenses, which don’t include wellness care, like vaccinations or preventive medications.

    How long does it take to complete a claim with Trupanion pet insurance?

    If your vet uses Trupanion’s software, Trupanion can directly pay the vet in minutes. You can ask if your veterinary clinic or hospital uses it. For reimbursement, the claims team processes the majority of claims within 24 hours, keeping you informed throughout the process. Many reviewers who pay at the time of visit mention getting reimbursed within two weeks.

    Does Trupanion cover bloodwork?

    It depends. If the bloodwork is routine, Trupanion pet insurance does not cover it. However, if it’s required as part of treatment for a covered illness or injury, it is covered.

    Does Trupanion cover neutering?

    Like most pet insurance companies, Trupanion does not cover the cost of neutering.

    Is Trupanion worth it?

    Trupanion is a pet insurance company offering a wide variety of coverage and convenience benefits. It has decades of experience, covers over 500,000 pets and has paid out over $1 billion in claims paid.  We recommend getting a quote and comparing coverage and cost with offers from other pet insurers.

    Trupanion Reviews

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    How do I know I can trust these reviews about Trupanion USA?
    • 4,212,620 reviews on ConsumerAffairs are verified.
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    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

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    Page 1 Reviews 0 - 10
    Rated with 1 star
    Verified Reviewer
    Original review: March 19, 2023

    If I could give them zero stars- I would! I decided to take out pet insurance about a year after I adopted my dog. She was 8 at the time. Though very expensive at $125 per month with $750 deductible per illness decided to go forward as thought if she got cancer or another illness would help with the Vet bills. The next year it increases to $137. Just a few days ago they increased to $225 per month! Almost double the cost of original premiums. I am just beside myside with upset over this. Had I known they could do this would never have taken out insurance with them. Not ever! They have never paid out a single claim. I had sent one bill in for anxiety related nail trim under sedation which they denied. They don't cover any regular annual visits either. They never paid out a single cent and then they double the rate. Gathering due to age and they claim because Vets have raised their rates.

    They claim they care deeply for your pet. That they give you piece of mind knowing your pet will be covered- but could not be further from the truth. I wasted over $3000 on high premiums over the last 2 years which could have gone into a bank account for my dog's Vet care. I can't say how much I regret taking out this insurance and money gone into the hands of a greedy, money grubbing insurance company. All fluff. No care. I just looked up how much the company is worth. Showing over a billion dollars but that's not enough for them. They are going to squeeze their customers till they break. I was forced to cancel the policy as can no longer manage paying out this massive amount. Money wasted. Please take heed when taking out insurance with them- that they can keep raising rates to infinity. I didn't understand this or never would have wasted the money.

    3 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 14, 2023

    I've had Trupanion for the life of my dog so I've paid over 10K in premiums. I recently submitted two claims because he'd gone to two hospitals and their ridiculous webpage doesn't allow multiple hospital listings. One claim was denied and I've waited over a month now for the second. When I look on the website it says status 'open'. I finally called and they said they have no record of a second claim, saying it was deleted because it was a duplicate of the first. I'm fuming! I've waited for reimbursement and now I have to go through the whole hassle of resubmitting invoices and filing a claim because they have a broken down webpage that can't transmit things properly. The customer service agent was just as bad. 'Oh there's nothing we can do, I'm surprised you see the claim there because we have it as "deleted". What a joke. Borders on fraud if you ask me.

    4 people found this review helpful

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      Rated with 1 star
      Verified Reviewer
      Original review: March 14, 2023

      This company is a unethical. Greedy. I got my dog insured by them as a puppy. My puppy got giardia before the waiting period was over. So, Trupanion did not cover him. Fair. After the waiting period, he had a reaction to anesthesia from neutering over the weekend. He was violently throwing up, so I took him to the emergency vet. Trupanion did not cover it because he had what they called a pre-existing condition of – I am not kidding – throwing up! They call throwing up and nausea a pre-existing condition. He got another parasite (and yes, I give him Bravecto and Sentinel, I do everything I can to keep him healthy) - again, Trupanion did not cover it because he had had a parasite before. Unbelievable. There are other issues - their customer support is terrible. They don't respond. There are better companies out there.

      2 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: March 8, 2023

      I, like so many others on here, feel screwed over by Trupanion. I did a ton of research before joining less than two years ago for my 5 year old mixed breed rescue. I understand their business model and structure which is why I joined. However, they imply that premiums "may" go up by around 10 - 15% per year which is to be expected and reasonable. However, I've just been told my premium this year has gone up 50% despite no claims last year which means my premiums have DOUBLED in two years. I'm on the $1k deductible so there's no way for me to lower this. When I inquired and was given the spiel about how the prices are re-evaluated, how they sometimes see claims as high as $50k for a dog's care, I pointed out that within the next (hopefully at least) 8 years of life for my dog, I'll eventually be paying around $3k PER MONTH.

      She said, "Well hopefully they won't keep doubling but it is possible." I may not be the best at math, but I think it's a much wiser financial plan to cancel the insurance instead of eventually paying $35,000 per year just in case we get hit with some crazy expensive illness which would probably still be way cheaper to pay for out of pocket than paying for this insurance.

      The problem is now that my dog is almost 7, trying to go anywhere else means she has more pre-existing symptoms noted on her records and her older age will mean higher premiums coming into an insurance plan than they would've if I had joined two years ago. Thanks Trupanion, for making me realize what an incredible mistake I made by becoming a customer.

      5 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: March 8, 2023

      They don't pay out claims. They don't pay out claims. They are scammers!! Furthermore, they made me submit all the invoices separately as a result of one incident, and then declined since it didn't meet the minimum. It's one claim, not 4 different ones. Also, they are declining the claim due to a pre-existing condition, which my dog never had. All this after paying them, $17000 in premium over the years!!! Stay away!!!

      Be the first one to find this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: March 4, 2023

      Trupanion claimed that multiple claims for allergy-related excessive licking were "behavioral," and not covered. They never paid any of the claims. I canceled when they raised the rate and had a difficult time getting them to confirm cancellation. I have nothing good to say about them.

      3 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Feb. 20, 2023

      Is a scam! they lure you with reasonable annual payment and tell you over the phone that should not be any increases in your dog policy or worst case 10% -15%. When your dog becomes 2 years old, they DUPLICATE the monthly payment!! Imagine what they will do when your dog becomes 3, 4, 5... years old! A TOTAL SCAM! STAY AWAY!!!

      5 people found this review helpful
      Rated with 1 star
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      Verified Reviewer
      Original review: Feb. 9, 2023

      I took my dog to the vet, and they recommended I call Trupanion and get insurance for my puppy. I already had pet insurance for 2 months but I called them and the man I spoke with and I had a lovely chat about what was happening and why I wanted pet insurance. He convinced me to switch to their company from my current provider - Fetch. Now they won't honor a claim that I would have had covered by Fetch. $1500 gone!

      7 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Feb. 2, 2023

      I filed a claim with Trupanion and they denied it claiming that we had a pre-existing health issue from over three years ago. We joined Trupanion after our dog required Veterinary care after by being bitten by a copperhead snake, a venomous snake. Our recent claim was for a serious intestinal problem which clearly was not caused by a snake bite. They initially denied the claim. Now I got an email when they entered the appeal into their system. Now two weeks later I have gotten an email saying that they are reviewing the appeal. It was their mistake, it should have gotten to the head of their queue. I have started researching law firms that have successfully sued Trupanion.

      9 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Feb. 1, 2023

      I have insured my dog for just about a year now for pet health insurance when Trupanion raised my rate from $136 per month to $164 per month even though I have not had a single claim. I was just about to insure my second dog but will not use Trupanion because of the cost. My premiums would be approximately $328 per month. Extrapolated over the lifetime of say 14 years you would have invested almost $55,000. This is more than my house insurance and auto insurance combined. Not great value. They sent me a sugar coated "friendly" message about how they need to raise the rates appealing to one's emotions about their pets. They really put me off about this. I don't trust Trupanion at all.

      10 people found this review helpful

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        Trupanion Company Information

        Company Name:
        Trupanion USA
        Year Founded:
        2000
        Address:
        6100 4th Ave. South, Ste. 200
        City:
        Seattle
        State/Province:
        WA
        Postal Code:
        98108
        Country:
        United States
        Website:
        trupanion.com