Trupanion

4.6/5 stars
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Trusted by pet owners and veterinarians across the United States and Canada, Trupanion offers comprehensive medical insurance coverage for pets. For over 10 years, Trupanion has provided pet insurance that is simple, fair, and affordable. They believe that finding the right pet insurance does not have to be a confusing process filled with tough decisions and financial considerations. Trupanion offers one simple insurance plan to give pet owners peace of mind and comprehensive coverage for their four legged loved ones.

Trupanion’s insurance plan promises coverage for the most common pet related injuries, testing, surgery, medications and blood work. Customizable deductibles make it easy to adjust the policy to fit a variety of budgets. Their policies are unique in that they offer a lifetime, per condition deductible. While most pet insurance companies require the payment of annual deductibles, Trupanion does not require pet owners to pay deductibles multiple times for the same condition. Once customers meet the deductible for one condition, they will not be asked to pay the deductible for future services related to that condition.

How it Works

Visit Trupanion's website to enroll your pet for insurance coverage. After enrollment is complete, visit a veterinarian of your choice to complete services for your dog or cat. If your preferred veterinary hospital partners with Trupanion, the veterinarian will submit the invoice and initiate the claim process for you. Trupanion offers Vet Direct Pay which means Trupanion will pay your bill before you leave the veterinarian’s office. You are only responsible for paying 10% of the bill at the time of the services. If your preferred veterinarian is not a Trupanion partner, claims can be submitted online or through email at claims at trupanion.com.

When filing a new claim, remember to include: an itemized invoice, pet’s name, owners name, phone number, email address, veterinary hospital name, veterinarian name, and purpose of the visit. Once the claim is submitted, Trupanion will obtain medical records from your veterinarian, review your policy, and determine claim eligibility. Regardless of whether or not your claim is determined as eligible, customers will be notified via email and online member portal. If the claim is accepted, customers will be paid directly to their bank account or mailed a reimbursement check.

What Customers Are Saying

Trupanion has an A+ rating from the Better Business Bureau and 4 star rating from Trustpilot. Trupanion is reliable and consistent in their handling of claims. They smoothly coordinated with my veterinary office and myself which made the claim process as easy as possible. They routinely covered 90% of all expenses and getting reimbursed was stress free and timely. The Vet Direct Pay is a great perk, the usefulness of the feature can not be understated. Trupanion covered my claim of $7,000 at the time of checkout and I was only required to pay $700 on the day my dog needed medical attention. They were responsive and professional, and the claims process was very simple. Their communication with the veterinarians is very direct and they take the stress away from the customer during very stressful times.

The prices are very reasonable and the service was great. Trupanion is strongly recommended by most customers, but not all customers have reported complete satisfaction. Complaints include a month and a half wait for reimbursement, exorbitant yearly premium increases, and claim denials for services customers believed should have been covered.

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