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About Trupanion
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
Featured Reviews
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 reviewMy 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 reviewWhat 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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Reviewed April 19, 2024
Unfortunate I had to leave 1 star in order to submit a review. Submitted claims last year and was hit with a $50 premium increase immediately after they reimbursed me (which took 2 months). Submitted a claim yesterday morning, $86 rate hike that afternoon. They will not allow my vet to submit claims or interface with them on my behalf, something that was always common practice. They require the bill be paid in full before they’ll even review a claim, which is in direct violation of their coverage policy.
These jerks are operating with bad faith insurance. Latest premium increase brings the policy to $315 a month…for pet insurance! Then they have the audacity to send out marketing materials patting themselves on the back for how much money in claims they’ve paid out. They are targeting customers who use the service for its intended purposes and clinics that were efficient at submittals, pre approvals and appeals. They never used to be this bad. STAY AWAY!!!!
Reviewed April 18, 2024
I had submitted a claim and had to wait 2 and a half months just for it to be denied!!! They denied my claim based on the fact that the clinic had the wrong adoption date. I had adoption papers from the breeder to prove my claim and they still denied me. This company DOES NOT CARE about its consumers. VERY UNPROFESSIONAL after multiple calls I was told it takes 6-8 weeks for a simple stool sample claim. I DO NOT RECOMMEND THIS PLACE! THEY STEAL YOUR MONEY AND SCAM YOU. I refuse to pay them another penny!!!!!
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Reviewed April 17, 2024
If I could give less than 1 star I would. Absolute terrible customer service, it has been a nightmare dealing with Trupanion. They are very sneaky when signing up, and find any way NOT to cover. 2 months I’ve been fighting with them to cover a surgery for a condition that I’ve already met the deductible for. Now they want me to appeal because they say that the vet called the tumour something else during 1st examination and each type of tumour has to be a separate claim. A tumour is a tumour. A lumpectomy is a lumpectomy. Also they have raised my rates every 6 months essentially doubling my monthly rate since sign up. And now my dogs are too old to switch to another company because their preexisting won't be covered-so I’m trapped with trupanion. Do not get involved with Trupanion. Terrible, terrible company
Reviewed April 17, 2024
I've had Trupanion for one of my cats since 2016, the other since July 2017 (he was adopted officially in February 2017). I was upfront with Trupanion when I added the 2nd cat following a bacterial UTI (in July 2017). The CSR assured me that after a 1 year waiting period, any urinary issues would be covered per the policy. Fast forward to February 2023 when the 2nd cat developed urinary issues which were denied (this had the vet scratching his head as the issue in 2017 was completely different from that in 2023 and it had been 5 1/2 years since there was any urinary incident). I spent over $3,500 in 2023 on this cat's medical care (including surgery for removing bladder stone in November 2023) while appealing the denial from March 2023. As far as I can tell, the appeal is still in process. Or maybe not. Who knows. Only Trupanion knows.
I paid premiums on both cats in good faith because in 2017 the CSR said that urinary issues would be covered in full after a 1 year waiting period on the second cat. I've continued to pay premiums on that cat in good faith through the appeal process. Now I suspect I'm throwing good money after bad. But if I stop paying the premium and the claim is still truly in the appeal process, then have I negated reimbursement by cancelling insurance?!?
My own situation was disheartening and frustrating. I started researching how to change pet insurance companies with a pre-existing condition (both cats have urinary issues). It soon became apparent that I'm not alone. Something at Trupanion changed between 2017 and 2023. It appears many other pet owners have shared my experience -- pre-existing condition will be covered after 1 year waiting period (in 2017) and then denied in 2023. I now have a complete loss of confidence in Trupanion.
I filed a claim with Trupanion in December 2022 for dental extraction for the 2nd cat. That claim was denied by Trupanion for a pre-existing condition due to gingivitis (I had his teeth cleaned immediately upon the vet telling me he had gingivitis and tartar build up years before and dental exams had been excellent since then). I complained one time on social media and Trupanion immediately reversed the denial for the dental surgery. Again, there are many other pet insurance companies out there -- many top rated ones offer discounts through one's employer, medical / homeowner / auto insurer, even Costco. There's no reason to be paying gold standard premiums for a sub-prime pet insurance policy.
Reviewed April 16, 2024
Stay away. They look for every excuse not to pay anything. The only reason we actual have insurance is because our last dog needed lung surgery and it cost over $10,000. We figured let's not get into that position again. They won't cover a monthly allergy shot because she had ear infections. They said the ear infection is related to her licking her paws. Even our vet wrote to them pleading our case. This is just one instance. Bottom line is they really do suck. Just stay away from this company. It will save you aggravation,.
Reviewed April 15, 2024
First time submitting a claim where they would have to pay even a small amount of money back and they just keep sending emails saying the claim is "still under review". We have paid no telling how much into this and now it looks like it was a total rip off. I hope a lawsuit starts sooner than later because I'm 100% in.
Updated review: April 17, 2024
Trupanion reviewed my claims and honored all of them. Very satisfied with company.
Original Review: April 9, 2024
Paid Trupanion for 7 years. Dog got sick. Over 4 claims for same covered condition and making me pay 200 deductible each claim? Sent mean email to claims after asking them to call me in vain. 1 minute later someone sent a denied claim for 530 dollars for breathing difficulties no explanation. Trying to be cute? Have a complaint in progress with BBB. I will get this resolved. I thought having Trupanion was an asset. Wrong.
Reviewed April 7, 2024
Some of these bad reviews are hilarious! Your uninsured 7 year old cat needed dental surgery so you got Trupanion? Thinking they would cover a preexisting condition? Absolutely not. You get insurance before you need it. And they don’t cover neuters and spays and routine care?! This is stated clearly as these are PLANNED expenses. Now the reviews about prices increasing are valid, and concerning. And the denials here seem a bit shady. I wonder if we’re not getting the full story? Regardless! We have had Trupanion for 8 years and just had a significant price increase that is concerning, hence my looking around at reviews to see if others are being hit with a more than the quoted 10-15% annual possible increase.
I think Trupanion could improve and get back to being one of the top rated companies. I’d like to see their cheesy “sales reps” be re-configured as Trupanion does pay an awful lot to them. Pet insurance is so widely available now that having so many sales reps, and even cheesier “regional sales managers”, is a huge cost for Trupanion. How about cutting the needless stuff like that and providing better customer service directly by continuing to invest in your customer care and in paying for claims that really should be paid? Again, not these truly not valid/non-qualifying ones, but get back to great customer care directly (phones) and ensuring the claims review process is fair and accurate, and if needed, reviewed by a veterinarian? Seems Trupanion has room to improve and I hope they listen, and make changes!
Reviewed April 6, 2024
Absolute scam, they pay NOTHING. Submitted a claim that fell under exactly what this faux insurance company is suppose to cover, only to have my claim denied. Waste of time and money. I have no idea why my vet would suggest this phony insurance. The most expensive pet coverage but totally fraudulent.
Reviewed April 6, 2024
The most costly of all the pet insurance companies only to deny claims they "claim" to insure. A total scam. I do not understand why all the vets in my area push this phony company. Avoid this faux "insurance" at all costs.
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