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Trupanion Pet Insurance Reviews

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  • Pros
  • Wide range of coverage
  • Additional care package includes behavioral modification, acupuncture, hydrotherapy and chiropractic
  • Liability coverage if pet damages third-party property
  • Low deductible
  • Affordable pricing plans
  • Cons
  • Routine care is not covered
  • Pre-existing conditions out of coverage scope
  • Exclusion also applies to vet exam fees and dental care

Trupanion Pet Insurance

Trupanion provides excellent pet insurance for your furry friends and makes sure they have access to the best medical care available. The company was founded by CEO Darryl Rawlings in 2000 and insured their first pet located in Vancouver British Columbia. Trupanion focuses on offering simple, fair, and affordable pet insurance.

Coverage and Benefits

Many pet insurers cover injuries and illnesses, but one thing that makes Trupanion unique is their coverage of damage that your pet may do to a property of a neighbor. On top of that, they cover accidents, hereditary conditions, diagnostic tests and congenital conditions are covered, in addition to vet supplements, hospital stays, medications and surgeries. Aside from the traditional coverage, they also cover a variety of unique treatments like herbal therapy, kidney transplants, homeopathy and stem cell therapy.

Coverage is also offered for orthotics, prosthetics and carts under your core coverage plan with no additional costs added. If you need to insure a working dog, there are flexible coverage options for law enforcement dogs, search and rescue dogs, hunting dogs and other working pets. Trupanion does not exclude coverage for any conditions based on breed-specific ailments.

Trupanion allows you to visit any veterinarian throughout the U.S., Canada, and Puerto Rico and this includes emergency hospitals and specialty veterinarians. Dogs and cats must be between the ages of 8 weeks and 14 years old to qualify for coverage and should also live in either the U.S., Canada, or Puerto Rico.

If you need extra coverage, Trupanion offers a Pet Owners Assistance Package for an additional cost. The package helps provide financial protection against unforeseen events or circumstances that are caused by or associated with your pet. This can include a wide variety of coverage including:

  • Third-party property damage caused by your pet
  • Trip cancellation costs due to a sick or injured pets
  • Cremation or burial costs for a pet who has suffered an accident
  • And more

Disadvantages

While Trupanion does offer a wide range of coverage to help meet your animal's needs, there are a few disadvantages. Like a few other pet insurance companies, Trupanion's insurance plan doesn't cover exam fees, wellness and preventative care (this includes flea treatment, dental cleanings, and vaccinations) or pre-existing conditions.

Trupanion's coverage is also not valid in many other places throughout the world. So if you are traveling with your animal, that may be a concern for you, but if you plan on keeping your animal in the country at all times, this may not even have an effect on you.

Another thing to consider is that while Trupanion does provide an additional coverage package for pet owner, it's at an additional costs and the company doesn't provide any direct solutions for how pet owners can obtain coverage or financial assistance in any way with preventative care for their animal. So, if you are shopping for an insurer and your pet has regular treatments of medical needs, you may want to consider other options.

Plans and Pricing

Trupanion offers one simple, comprehensive plan. The company covers up to 90% of actual veterinary costs and has no dollar limits on the cost of care if your pet becomes sick or injured. Potential customers can get a quote on the company's website to get an idea of how much coverage would cost along with everything that the plan includes.

This company helps protect your pet through an affordable coverage plan. Trupanion's deductible is low, ranging from $0 to $1,000. Customers can help set their monthly price by adjusting their deductible. This can help you determine a plan that will fit your budget. Premiums may change over time due to trends in claims filed and/or inflation but if they ever do change, customers will be notified prior and don't ever have to worry about their premium rising as a result of filing a claim for their animal.

Pricing for your dog or cat's insurance plan relies on a variety of factors including: the animal's age, breed, gender, whether the dog has been spayed or neutered, cost of veterinary care where you live.

How to Use the Insurance

Once you fill out the quote form and select your coverage plan, the waiting period for when you can actually start using the insurance is about 5 days for injuries and 30 days for illnesses.

After you visit the veterinarian, you can submit your invoice and pet insurance claim to be reimbursed at a percentage minus your chosen deductible.

Resources

Trupanion has plenty of helpful resources and tools on their website to help assist pet owners. For starters, there's a sample policy plan potential customers can review to learn every specific detail about the coverage and guidelines in order to make informed decision about enrolling their animal. There are also helpful articles and guides to help pet owners learn about the best pet care techniques, common pet health concerns or issues to be aware of along with a research guide that shares information about each cat and dog breed including details like grooming requirements, typical energy level for the animal, common characteristics, health concerns, history and more.

Verdict - Good

Trupanion, deserves a 4 star score because it provides affordable pet health insurance for your pets (cats and dogs, specifically), and the rates are further reduced if the animal is between 2 months and 14 years old. Customers can enjoy the benefit of being able to adjust their monthly premium as a result of being able to choose their own deductible. The excellent customer service is a positive extra as well.

The fact that Trupanion doesn't have any option to receive coverage for preventative care is something you should consider before enrolling your animal to see if it is an absolute necessity or not. Having a pet savings account is always a good idea to back up any type of insurance company you choose.

While the company does have negative reviews on consumer review sites that complain about small payouts and limited reimbursements, many reviewers talk about how they enjoy affordable and quality service.

Last Updated:

Trupanion Pet Insurance Consumer Reviews

Average Customer Rating

6 out of 10 rating 6 6 User Reviews

User Rating Distribution

Ratings: 10 - 9 3
Ratings: 8 - 7 1
Ratings: 6 - 5 0
Ratings: 4 - 3 1
Ratings: 2 - 1 1
9 out of 10 rating 9 Regular medication covered under policy None

My beloved cat has been covered by Trupanion for the last few years and they have been excellent. All of her medical bills are covered, I have never been denied a claim and she is on regular medication which is covered with no fuss. It has taken away that extra stress.

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3 out of 10 rating 3 None Drag out paying a claim

I rescued my dog 2 years ago and last week we sadly lost him last month to a tumor on his lung. As a family we have been devastated by this and although only having him for 2 years he became a big part of our family. Trupanion have done nothing but make a bad situation worse. We have to constantly chase them regarding the claim and they are dragging it out. They clearly do not care and I do not want that from a pet insurance, and your pet deserves better, I would not recommend signing up with Trupanion.

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2 out of 10 rating 2 None Entire business practices

NEVER NEVER USE TRUPANION!!

As previous reviews have stated, you pay your premiums and get absolutely no service whatsoever. They will never cover anything for your dog, and find EVERYTHING that points toward a 'pre-existing condition. READ THE FINE PRINT! They can use any OBSERVATION made by a pet owner even 18 months prior to any vet appointment or official diagnosis.

I filed a complaint with the BBB and Trupanion hides behind their policies and gave this pathetic reponse (in part) to my stating they extorted money from us only to never pay anything for our dogs finally diagnosed condition...

"We understand how heartbreaking it can be to receive an ineligible claim when your pet is ill or injured and our hearts go out to Mrs. XXX and her dog during this time, however, in order to be fair and just to all policy holders, we must adjudicate claims based on the criteria that is outlined in our policy."

Our claim was legitimate and within their guidelines. But they used one... ONE phone conversation I had with a vet tech about an observation I had of my pet showing some signs of being stiff in the snow to deny and refuse our claim. It is absolutely the most ridiculous thing I have ever seen. Other reviewers are correct.. they will use ANYTHING to deny a claim.

This company is is a scam. They just want their money, and to find any reason to not give you yours. Untrustworthy, rude customer service agents, ruder management and horrible business practices.

BUYER BEWARE!

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8 out of 10 rating 8 Customer reps are helpful and friendly None

Trupanion gives me the peace of mind that my husky pup will be given the best if anything happens to him. I have fortunately not needed to make a claim, but the policy is a great price and whenever I have spoken to the reps they are professional and really friendly.

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9 out of 10 rating 9 You can decrease your premiums Nothing

When I first got my dog, I thought that the premiums would be cost-prohibitive, but it wasn't and now I have Trupanion for both my cat and dog. You have the option to decrease your premium.

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10 out of 10 rating 10 Good priced premiums None

It's been over a year now that I've had Trupanion and haven't had to make a claim. The price is fairly reasonable for me. They even offered a refund for unused premium after one of my dogs passed away.

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In order for MoneySavingPro to remain a consumer free service, many of the companies covered in our industry reviews compensate MoneySavingPro for new sign ups.

However, the results of our comparison tools, the rankings of the providers and the information presented is not affected by compensation. Indeed, many of these companies approach us for an advertising partnership after we have already written a published their reviews.

While we try to research and review as many providers as possible in the 100+ industries we cover, we have not reviewed every company available.

Our rating system is independent of compensation and reflects our true understanding of the industry and the company based on a variety of factors. The companies that receive the highest rating will always be the providers that we believe offer the best value to the consumer.

Advertiser Disclosure

In order for MoneySavingPro to remain a consumer free service, many of the companies covered in our industry reviews compensate MoneySavingPro for new sign ups.

However, the results of our comparison tools, the rankings of the providers and the information presented is not affected by compensation. Indeed, many of these companies approach us for an advertising partnership after we have already written a published their reviews.

While we try to research and review as many providers as possible in the 100+ industries we cover, we have not reviewed every company available.

Our rating system is independent of compensation and reflects our true understanding of the industry and the company based on a variety of factors. The companies that receive the highest rating will always be the providers that we believe offer the best value to the consumer.