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19 User Reviews

7.3

Overall Score

Trupanion is a well-known brand among pet insurance companies. The company was founded in 2000 in Vancouver, British Columbia, under the original name of Vetinsurance. In 2008, the company was established in the United States. This company boasts one easy-to-understand plan and coverage for 90 percent of vet costs.

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The Good

  • Policies, Reimbursement, and Additional Coverage
  • High Age Limit
  • 24/7 Customer Service
  • No Payout Limits
  • Vet Direct Payments

Policies, Reimbursement, and Additional Coverage

Trupanion only has a straightforward plan option, but it covers a great deal. The plan is very extensive and comes with 90 percent reimbursement. A Trupanion policy covers the medical expenses of unexpected injuries and illnesses including hereditary conditions (elbow and hip dysplasia, diabetes, etc.) unidentified issues (vomiting, cough, weight changes) as well as congenital conditions (heart disease, nervous system issues, cataracts).

Members can add a few additional riders for an additional cost. There is the Recovery and Complementary Care Rider (coverage for non-clinical procedures) and the Pet Owner Assistance Package (coverage for lost pets, boarding fees, cremation or burial deaths due to an accident, as well as holiday vacation cancelation costs).

High Age Limit

Trupanion does have an age limit for new enrollments, but it's quite high. A dog or cat has to be under 14 years old to qualify for coverage.

24/7 Customer Service

Unlike many competitors, this company's customer service is available around the clock for assistance. Business hours aren't just from nine to five; Trupanion offers 24/7 customer service.

No Payout Limits

Trupanion doesn't place limits on the amount of coverage pet owners can get. The one insurance plan is set up to cover 90 percent of a pet's vet costs, and upon enrollment, members choose a deductible between $0 and $1,000. The flexibility is convenient.

Vet Direct Payments

Trupanion is proud of the fact that its members can pay their veterinarian directly. There is no out of pocket costs, submitting paper claims, and no waiting period for reimbursement. All members have to do is pay their portion of the bill and Trupanion will take care of the rest. Trupanion is currently working with thousands of veterinary clinics across the United States. If pet owners are wondering if vet direct payments are available at their clinic, they can search for it on the Trupanion website.

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The Bad

  • Only One Type of Plan
  • Per-Incident Deductible
  • Additional Fee

Only One Type of Plan

Rather than providing tiered plans, Trupanion has one insurance plan. It simply adjusts according to the deductible, monthly premium, and add-on prices; however, the coverage is the same, which limits customers to one solution. Trupanion like most pet health insurance companies does not cover pre-existing conditions.

Per-Incident Deductible

Trupanion has one plan with several per-incident deductible options. Most companies offer annual deductibles, and at the same amount as Trupanion's per-incident deductible. Per-incident deductibles can be quite pricey if a pet has several incidents.

Additional Fee

Although many companies have additional fees, Trupanion's fee is quite high. Members pay a one-time $35 administration fee when signing up.

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The Bottom Line

Trupanion has several years of business experience and has established itself as a well-known name in pet insurance. Using Trupanion pet insurance is entirely dependent on its customer needs. For example, if pet owners prefer more options for plans and an annual deductible, Trupanion may not be the right choice. All customers want a lower cost too, and in that sense, Trupanion is not a cheap option. To be fair, though, the price does depend on the pet and on the chosen deductible. If those factors line up, members might not pay as much as they would think.

In many ways, Trupanion is a great pet insurance option. It has 24/7 customer service, clear-cut policies, extensive coverage, and flexible limits such as for the age of the pet. As long as the pet owners can afford the coverage, their pet can benefit significantly from Trupanion's insurance plans.

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19 Reviews

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Colleen Jones

I HAVE BEEN WITH TRUPANION FOR 6 YEARS PLUS I BELIEVE! I HAVE HAD NOTHING BUT EXCELLENT SERVICE EVERY TIME I HAVE CALLED AND I CALL A LOT! SOMETIMES 3 TIMES A DAY, THEY ALWAYS ARE VERY PROFESSIONAL, ANSWER ALL OF MY QUESTIONS. THERE IS NOT ONCE THAT I HAVE HUNG UP FEELING THAT MY QUESTIONS WERE NOT ANSWERED, THEY GO OUT OF THERE WAY TO MAKE SURE THAT YOU ARE SATISFIED IN EVERY WAY POSSIBLE. I WOULD RECOMMEND TRUPANION TO ALL OF MY FRIENDS WITH PETS, AND I DO ON A REGULAR BASIS, AND I HAVE HAD MANY THAT HAVE JOINED. AN EXCEPTIONAL COMPANY WITH EXCEPTIONAL PERSONNEL! I AM TRULY A HAPPY DOG OWNER BECAUSE IF IT WAS NOT FOR TRUPANION I DON'T KNOW HOW I WOULD HAVE COPED WITH THE ISSUES I HAVE HAD WITH MY PETS! SO WORTH IT, PEACE OF MIND AND MONEY! SO THANK YOU FOR ALL YOU HAVE DONE FOR MY HUSBAND, MYSELF AND OUR LITTLE CRITTERS, CAMILA AND LUCY! TRUPANION DOES NOT PHONE AND ADVERTISE , I HAVE NEVER HAD AN ISSUE WITH CANCELLATION OF SERVICE SO I AM A HAPPY PERSON DEALING WITH TRUPANION!

2 years ago

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Lisa W. Boyds, MD

Pamela was very polite and helpful during a very stressful situation. Our puppy is only 8 months old and we have never filed any claims. Our puppy had surgery last week and started bleeding on Sunday. We were not able to get it to stop and we ended up rushing him to the Vet Emergency Hospital. Since we had never filed a claim before we had questions about the process. Pamela was very nice and calm the entire time. She immediately emailed us a form so we could fill it out and submit it. She also went out of her way to check if either the hospital or our veterinarian facility had direct payment set up with Trupanion. It was wonderful speaking to someone so helpful and friendly during a traumatic experience for us.

2 years ago

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Bernadette Snider Santa Fe, NM

From my first encounter with Trupanion in 2015, my experiences have been outstanding . The insurance is comprehensive, fairly prices and the customer service flawless. Every representative as been knowledgeable, courteous, efficient and compassionate. This company ‘s business model centers around an owner’s focus on a pet as family. Every representative inquires about your pet’s health and listens to the details. I have not experienced this level of organization and efficiency with my own medical insurance. Trupanion is transparent as to cost and coverage limitations. I took advantage of the rehabilitation rider and glad I did. The claims process is simple and reimbursement speedy. Love this company and its employees. Bernadette, Santa Fe, NM

2 years ago

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Milissa Gerber Juneau, AK

Good customer service, answers questions, provides info about claims, very polite on the phone. Claim process is easy, just start a claim on website, attach receipts, if you have additional receipts later.. reference claim and send it in. Response time is quick via email. Checks arrive within a month of your claim. Best pet insurance I’ve ever had. I have 3 pets insured and in the future will use Trupanion.

2 years ago

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S Marie

The gentlemen that help me determine the right plan for me was an absolutely amazing! He used examples that were super helpful and did not use terms that only an insurance company would understand. As someone that left a different insurance company to come to trupanion, the individual was great in explaining exactly what I was going to pay for as well as how their insurance was very different from the company I was with before! Thank you for the great service!

2 years ago

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Alyssa S Chatham, MA

Trupanion is the best pet insurance out there! They made it so easy to file the claims online and very quick to respond. I have had two major claims for my dogs and have Trupanion saved me thousands in medical bills. I can't say enough about their service. Get pet insurance! Get Trupanion!!

2 years ago

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Rachelle

I have had pet insurance with Trupanion for 7 years and they have the most amazing customer service ever!!! All of their customer service staff are extremely knowledgeable, friendly and kind. They show tremendous care and commitment towards answering all of my questions and concerns and I have always had such a positive experience.

2 years ago

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Christina Beaumont, TX

I had just spent several days in the hospital with my Montgomery. It was now time to file a claim with Trupanion but I ran into some questions I didn't know how to answer. I called Trupanion and got Carlos who cheerfully guided me and sent me the information needed to complete my claim. Thank you Carlos!

2 years ago

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Ami Kennedy Dunnellon, FL

When I first considered fur baby insurance, I compared 3 different company's. Trupanion plans were the most flexible, simply stated and had the most to offer. Whenever I call & have a question or a concern, a real person is always available, and they LISTEN!

2 years ago

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Vera Hill and Ben Stephenson

Our dog has had a life-threatening emergency requiring critical care and surgery, which resulted in a huge bill. This would have been so much harder without Trupanion's help. We also really appreciated how thoughtful and compassionate Trupanion staff were in their communications throughout this process.

2 years ago

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Gallo Seattle, WA

I tell everyone about Trupanion all the time!!! Trupanion is the only reason Kelly is still alive, she has had multiple medical issues that cost way over $30,000 and Trupanion has been there the whole way!!

2 years ago

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Melissa Peters

The customer service representative was professional, empathic, and knowledgeable. He comforted me and explained the policy / coverage. Excellent service! Especially, during a difficult time.

2 years ago

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Review Source

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Hunter Kasprzyk Gilbert, AZ

We had this for my shar pei dog and it was super useful because shar peis have a ton of problems and he probably would've died if we didn't have this insurance because some of the surgeries would have costed thousands of dollars and my dad would not have payed for that.

3 years ago

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George Picchioni The Bronx, NY

All the staff at Trupanion are always prompt, well informed and curious. The professionalism at Trupanion puts my mind at ease no matter why I'm contacting them.

2 years ago

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CB

Quick response time; friendly and helpful reps. Love your parting wishes at the end of the call to give my cats extra love - nice touch! :)

2 years ago

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Eric Long Branch, NJ

Excellent ,friendly, effective assistance Trupanion consistently delivers exemplary service . My trust in them in well deserved

2 years ago

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Johanne Bourgeois

Because Aaron was courteous and efficient. He answered my question and responded quickly

2 years ago

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Tammy Port Saint Lucie, FL

customer service was knowledgeable and claim was accepted and started processing right away

2 years ago

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Lauren

She went over and beyond what she needed to do to help me out !

2 years ago

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