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Trupanion Review

30 people say

Ease of use

Brand satisfaction

Value for money

Service quality

30 reviews
Top10.com StaffByTop10.com StaffFeb. 03, 2020

In a Nutshell

Trupanion offers Direct Vet Pay, a first in the industry to pay your pets doctor so you don’t have to with 90% of your bill. It has a care plan with extras above the standard packages offered elsewhere.

pros

  • Enroll pets from birth
  • Unlimited lifetime coverage

cons

  • Waiting periods: 5 days for accidents; 30 days for illnesses
  • $35 enrollment fee (in select states)

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Highlights

  • One simple plan
  • Vet Direct Pay
  • 90% coverage
  • No penalties for filing claims

What Trupanion Covers 

Coverage includes diagnosis, surgery, hospitalization and medication for virtually any accident or illness, as long as it isn’t pre-existing. This includes congenital conditions and even non-routine dental coverage. The policy is unique in that it also covers prosthetic devices and carts.

Where Trupanion shines best is the optional cover for breeding and working pets. This is unique in the pet insurance market. The breeding pet rider covers your pet in the event of injuries and illnesses related to breeding and birthing. Animals involved in law enforcement, search and rescue, herding, hunting and other working pets can also be covered at an additional fee. Pet insurance providers normally do not cover these pets because of the increased likelihood of accident or illness.

What Trupanion covers

What Trupanion doesn't cover

Unexpected injuries, illnesses, accidents

Pre-existing conditions

All hereditary/congenital conditions including hip dysplasia 

Wellness, elective, cosmetic care

Diagnostic tests, surgeries, medications, overnight hospitalization

Exam fees

Prescription food, supplements

Sales tax

Endodontics of molars


Limits and Deductibles 

Trupanion has a wide range of deductibles to choose from, including the option not to have a deductible at all.

Should you choose a deductible, however, it will be payable per condition and not per year. The advantage is that, if an incident is ongoing and spans more than one year (in the case of chronic conditions, for instance), you’ll only have to pay the deductible once. Reimbursement is 90% of actual costs across the board, after the deductible. There are no per incident or lifetime caps.

Trupanion's coverage is unlimited for the lifetime of your pet, with no payout caps or limits. Premiums do not increase based on pet's age or number of claims filed. Also, there is no waiting period and no age restrictions for pets with hip dysplasia, and claims are settled within an average of 4 days.

Price

The cost of a Trupanion policy depends on your pet’s age, breed, sex and the standard cost of care in your area. The cost will also be higher if your pet isn’t spayed or neutered.

The cost of insuring a 2-year-old mixed breed cat with a $200 deductible is $35.70. There is also a $35 enrollment fee per pet. This makes Trupanion one of the more expensive pet insurance providers on the market though their coverage is comprehensive, which can make it worth the additional cost.

Optional Coverage

Recovery & Complementary Care Rider

Pet Owner Assistance Package

Rehab therapy

3rd party property damage

Acupuncture

Advertising and reward for lost pet

Hydrotherapy

Boarding fees

Chiropractic care

Holiday vacation cancellation fees

Behavior modification/therapy

Burial fees

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Age Limits 

Only the Trupanion policy allows you to enroll your pet from birth for true lifelong coverage.

All cats and dogs under 14 years of age are eligible to enroll for lifelong coverage, which means that if you enroll your pets before their 14th birthdays, they will be covered for their entire lives.

Conclusion

Trupanion is one of the more expensive providers, but offers a straightforward plan that covers 90% of the cost incurred due to any accident or illness, as long as it isn’t a pre-existing condition. It offers award winning custom service that is open 24 hours a day, 7 days a week including holidays. The vet direct pay is an industry first and allows customers to only pay their 10% + deductible instead of having to pay for the entire invoice and wait for reimbursement. The special cover for breeding and working pets is unique among pet insurance providers. Trupanion's A+ BBB rating combined with 24/7 phone support plus a 30-day money-back guarantee make it one of the best choices in the market. 

Top10.com StaffByTop10.com StaffJun. 18, 2019
Our editorial staff is comprised of writers who are knowledgeable about online consumer services. We specialize in simplifying the process of choosing the right pet insurance provider for your needs.

Trupanion customer reviews

Based on 30 reviews

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Top reviews

A*****e, AR
6 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

I had to have surgery on two of my pets. Trupanion paid for most it after the deductible. It was easy to file a claim, get pre-approval, and I got reimbursed fairly quickly.

B***a, CA
2 months ago

With all but one claim, they have been easy to use and don't try to get out paying claims. The cost is quite high, but I don't worry about my coverage and I appreciate that.

F***k, CA
5 months ago

No problems and don't nickel and dime you over claims. While not cheap, having pet insurance can save you thousands of dollars in medical bills.

H****a, HI
2 months ago

It saves me money and worry when my pets have an emergency. This way the bill doesn't surprises me. The insurance helps

G**y, WA
a month ago

Our dog had some digestive troubles and wound up on prescription food, and ongoing meds - a reasonable portion of these expenses were covered.

R*b, IN
a month ago

Quick claim pay, no capon coverage, various ways to submit claims, good phone service, credit card autopay

B****a, AZ
4 months ago

It is a good value for the cost. I am able to cover both of my large breed dogs for under 100 a month.

E*******h, NV
2 months ago

I have-not had to use it yet however, I like have the peace of mind knowing I'm covered just in case

L***e, AK
3 months ago

Good pet insurance. Good value for the money. Easy to use website. Accepted by my dogs veterinarian.

K*y, WA
6 months ago

They have really fast service and reimbursement of claims, excellent customer service. Never any problems.

S****a, NC
4 months ago

Very able to answer any questions in a timely manner. Ease of contact. So far no need to use for health care

B*b, WA
3 months ago

Trupanion has taken very good care of my dog, We had a flea invasion and the were able to diagnose the problem and come up with a cure.

D***y, CO
a month ago

Would love more benefits included for breeding. I do really like their breeders program that allows me to send a trial period to new owners

D*e, CA
2 months ago

it's good service, but the price goes up a lot every year. It's to the point of almost being cost prohibitive

C****l, PA
5 months ago

High deductible for every service. You have to meet the deductible before it pays out anything.

K***N, NJ
6 months ago

Their prices were one of the cheapest I saw for what they cover. Customer service was nice as well

H***b, FL
6 months ago

They really do not cover anything. Only thing I can submit is his vitamins. I do not see the value of this insurance. I'm going to shop around.

M****a, CA
2 months ago

I have always received seamless services for claims on veterinary services for my three cats.

M***y, TX
3 months ago

They helped me find a highly rated vet when one of dogs was misdiagnosed with congestive heart failure

R***e, CA
6 months ago

I subscribe to Trupanion but have not needed to make any claims yet, thankfully. I do appreciate the peace of mind it gives me.

30 reviews