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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.
Pros & Cons
- Direct payment to veterinarians
- 90% coverage
- No payout limits
- Lifetime per-incident deductible
- No discount for multiple pets
- No coverage for routine wellness
Trupanion pet insurance offers deductibles based on individual conditions, along with customizable coverage and a variety of deductible options.
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...Read full review
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...Read full review
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 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.
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.
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Reviewed Sept. 21, 2023
When you sign up for the insurance they highlight they pay for 90% of your bill minus deductible. They DON'T - They separate the Dr. bill from the procedure and pay NOTHING. They misrepresent the truth and then hide behind disclaimers.
Reviewed Sept. 13, 2023
Their website boasts "fast claims". But it's been 4 months and I'm still waiting. I filed 2 claims in June, and it is now September with no resolution, other than emails saying "We're working on it". After MULTIPLE calls wasting my own time, no answers. DO NOT FALL FOR THEM. They have nice agents, but awful service. They gave me excuses like "We're changing systems". That was 4 MONTHS AGO.
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Reviewed Sept. 7, 2023
This "insurance" is a scam. I pay $1500 a year and my dog has a suspected auto-immune disease as of yesterday. In January, 2023 he sprained his paw at the beach, and in June, 2023 he tore a ligament in his left leg, which resulted in swelling but is now healed. Last week, he started having trouble getting up and seemed in pain. The vet saw him yesterday and said he now has some swelling in his knees which may be an auto-immune disease he developed. He never had fluid in his knees before! Yesterday, Trupanion denied coverage stating since my dog previously had swelling in his joints--(well, of course-he was injured), they are not covering the new suspected auto immune disease. That’s like saying, "Well, you sneezed and had a fever and runny nose in the past, so we are not covering your new cancer diagnosis because those symptoms you’re having now you had before. WHAT A SCAM!! BEWARE!!!
Reviewed Aug. 26, 2023
I researched Trupanion before I bought pet insurance for my 2-month-old Springer Spaniel. I figured what could go wrong, he was 2-3 months old when the insurance kicked in after 30 days. He was perfect. He was a puppy. Before my 30-day grace period was over I took him to the vet to have his first check up. Everything was great with the exception that his ears were a little "dirty". They were cleaned and that was that. At about a year old he had an ear infection. I made a claim and because his ears were a little dirty before the grace period was up, they denied my claim saying it was a preexisting condition. Like an idiot, I continued with the insurance for the next 3 years.
Recently my dog started getting really bad breath. I took him to the vet and he ended up having periodontal disease plus he needed 3 teeth pulled. Not normal for Springers. I have had 3 of them and never did they need to even have their teeth cleaned let alone have teeth pulled...especially at this age. I made a claim to Trupanion. The reason they denied my claim this time was that the early records from my vet showed that my perfect puppy of 2 months old had 2/4 periodontal disease. And although in the same report and in later documentation it showed he had 0/4 periodontal disease, they didn't ask questions or consider that strange, they just denied my claim based on it being a preexisting condition.
I called Trupanion to complain and asked them to cancel my policy. A nice woman convinced me to hold off and submit an appeal as my vet had explained to me that back when my dog was a puppy they had trouble with their software and my puppy's reports defaulted to 2/4 periodontal disease. I sent the appeal in with my vet's explanation and didn't cancel the policy. It took over a month to get an answer back and therefore paid still another premium. And of course, you guessed it, my appeal was denied.
During covid my father-in-law died, we had to "shelter in place" for months on end, I am not even sure my vet was taking well check-up appointments at that time, but because my dog had not been seen by a vet from 2020 to 2023, and because the policy says in fine print that your dog has to have a check-up every 12 months to be covered, they denied my appeal. I want my money back. I want my time back from the waste of time I spent trying to make this claim. From my point of view, their goal when a claim comes in is to figure out how they can deny it. They don't truly care about your pet, they just found a way to make easy money. They are thieves, they are frauds. Beware, don't even bother looking into this company. You’ll find all kinds of happy faces on reviews that state how great Trupanion is. They are fake, maybe paid off by Trupanion. Read the reports here in Consumer Affairs where you hear real users rate this horrible insurance.
Reviewed Aug. 23, 2023
Highly don’t recommend Trupanion. I moved provinces and they quadrupled my monthly premium. Yes, I am not joking they increased my monthly premium to 4X what I was paying before. They also denied claims stating that they were “pre-existing” when that was not true. I signed my dog up as a puppy at 2 months old. Terrible company. I absolutely do not recommend.
Reviewed Aug. 10, 2023
I wish i could give 0 stars. This is a scam. We've been with Trupanion for 5 years. Sure, they pay up (as do any other pet insurance companies) but they will also increase your premium yearly a ridiculous amount. In the last year both our dogs (insured with them) have had a 40% increase! And that's just in the last year.. Prior year it was 20% increase. I understand inflation and why premiums go up.. but 40% in one year? I've also spoken to other people not with trupanion and their premiums have gone up $5 lol which is a lot different from my $50 increase with just the one dog. And might I add their pet insurance ALSO pays up no problem. So why is Trupanion's calculation of inflation so much more than the others?
We are switching insurances on one of our dogs but unfortunately, we are stuck with the other as he has had ACL issues which would mean a "pre-existing condition" if we were to switch insurance companies for him. We started out paying a reasonable $70/month with $250 deductible but over time we have kept increasing our deductible to try to keep our premiums lower. Now we're paying $170/month for $750 deductible. And that's just the one dog. The other dog we're now paying $150/month for $750 deductible as well. STAY AWAY FROM TRUPANION... Don't make the same mistake as us. Now we either suck it up and pay whatever ** premium they throw at us or have no insurance.. (which at this point is kind of starting to look ideal).
Reviewed Aug. 8, 2023
My experience was: paid $590 for the vet, received $110 from Trupanion. They don't pay for examination fees; they don't pay taxes (mandatory in Ontario - 13%); they apply coinsurance to deductible (i.e. first $300 that you pay only count as $250 if your coinsurance is 80%); they don't pay administrative charges. I have cancelled insurance with them and found much better company that actually cares about your pet.
Reviewed July 25, 2023
They're increasing my premium from $102.58 to $129.55 over a 26% increase. They market as if they don't increase the premium for your dog if they're 'unlucky' or based on their age but you'll see an increase regardless. They claim to care but they really don't they will find all excuses to not payout or payout bare minimum and keep increasing your premium for other reasons and excuses they hide behind. They used to do direct billing but not anymore according to my vet, we have to submit the claims ourselves and wait for them to process the claim. I submitted a claim over 10 days ago and no response still.
This is my biggest regret, I should've listened to myself and just saved the premium set aside for anything that arises for my dog. I've spent over $6000 over 5 years in premiums and have claimed barely anything back because of the deductible and denied claims. This is a waste of money, better off just setting aside $100/month for your pet.
Reviewed July 18, 2023
Premium is going up from 49.63 to $61.05. That’s a 23% increase, way way higher than inflation and seems like what some economists are calling greedflation: corporations sneaking in price increases to bolster their profit margins during a time when consumers will think the costs are due to actual inflation. I’m stuck with them but I would not recommend.
Reviewed July 12, 2023
After dealing with Trupanion for many years and, sadly, ignoring the advice of my friends, I have finally cancelled my membership. At the time of cancellation, they were planning to increase my monthly premium of $91.22 to $121.00! The last episode of illness for my 14 year old mixed breed hound, a nasal obstruction due to a growth, occurred over a period of 16 months. It involved three invoices attached to one claim totaling $1,020.45. Since I have a $500 deductible for each illness, I was expecting compensation of $520.00. I received a paltry $125.00. During this exact same time period, I paid Trupanion $1,302.45 in premiums! The MO of Trupanion is to confuse and patiently explain why they cannot pay you while all the time chirping pleasantly through email and on the phone about concern for your pet. PLEASE SELF-INSURE. Put money aside for the care of your pet. Trupanion is just big business. They win and you and your beloved pet lose.
Trupanion Company Information
- Company Name:
- Trupanion USA
- Year Founded:
- 6100 4th Ave. South, Ste. 200
- Postal Code:
- United States
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