Trupanion Pet Insurance Review 2023: Pros, Cons, & FAQ

Trupanion Pet Insurance Review

Other Top-Rated Pet Insurance Companies

About Trupanion

Trupanion is one of the leading providers of pet insurance in the United States. They offer a variety of plans and coverage options to fit the needs of any pet owner.

Trupanion has several features that make them stand out from other pet insurance companies.

One unique feature of Trupanion is that they have no payout limits. This means that you will never have to worry about your coverage running out. Additionally, they cover a variety of alternative treatment options, such as acupuncture and chiropractic care.

Trupanion also covers up to 100% of eligible expenses, which is one of the highest reimbursement rates in the industry. They can also pay your veterinarian directly at checkout, within seconds, so all you have to pay is your portion of the bill.

However, there are some drawbacks to Trupanion pet insurance, like their policies not covering wellness care or preexisting conditions. 

Pricing & Plans (Updated in 2023)

Pet Insurance Cost Comparison

Trupanion’s Base Policy

The base policy has unlimited payout amounts, but not unlimited coverage. That means they will only pay so much per accident, illness, or injury, but they’ll pay for unlimited injuries. Here are the coverage limits from their website:

*Note: Not all illnesses that are covered are listed. These are just some of the most common.

Customizations

Depending on your plan, Trupanion is customizable based on the amount of deductible you want to pay (which is the amount you have to pay out-of-pocket before insurance will pay) and reimbursement percentage (which is how much the company will pay after the deductible is paid. The cheaper the deductible, the more your monthly premium is. The higher the reimbursement percentage, the more your monthly premium is.

Trupanion Price Comparison for Dogs

Deductibles & Claims

Depending on your plan, Trupanion has a flexible deductible, meaning you can choose your deductible based on the monthly payment you wish to have for your premium. Trupanion offers deductibles ranging from $50 to $1,000, or the option for no deductible at all. A lower deductible makes for a higher premium and a higher deductible makes for a lower premium. It’s all about what you’re comfortable paying out of pocket before you use your insurance.

Trupanion also has a very user-friendly claims process. You can submit your claim online, or by mail, and they also have a mobile app that makes it easy to submit claims and track the status of your reimbursement. Trupanion can also deal directly with your chosen veterinarian to manage all filed claims. If your vet participates and has Trupanion’s unique payment software, Trupanion can pay your vet directly if the vet accepts Vet Direct Pay, which eliminates the reimbursement process.

What Does Trupanion Cover?

Policy Limits & Exclusions

Trupanion does not have any payout limits, which is a great benefit for pet owners. This means that you will never have to worry about your coverage running out. The base policy covers a variety of accidents and illnesses and up to 100% of eligible expenses.

Pre-Existing Conditions

Trupanion does not cover pre-existing conditions. A pre-existing condition is any condition that your pet has before enrolling in a policy. This includes conditions that have been diagnosed by a veterinarian, as well as conditions that show symptoms.

Waiting Period

Waiting periods vary by state. Please see your state’s policy for full coverage details. However, unlike other providers, Trupanion does not have extended waiting periods for cruciate ligaments and hip dysplasia.

How to File a Claim

If your vet does not offer Vet Direct Pay, to file a claim, you will need to submit a veterinary invoice to Trupanion. You can do this online, by fax, or by mail. Once your claim is received, they will process it usually within 2 business days.

Reviews from Customers

Trupanion has excellent ratings from all over the web. Customers seem to like their easy claims process, their quick response times and their helpful customer service. Just a few examples include:

“I have had nothing but good experiences with Trupanion. They are quick to respond to any questions or claims I have submitted. I have recommended them to all of my friends who have pets.” – Sarah K., Ohio

“Trupanion has been a lifesaver for my family. We have had to use their services several times and they have always been there for us. I would recommend them to anyone.” – John W., California

“I was hesitant to get pet insurance, but I am so glad that I did. Trupanion has been there for me and my dog every time we’ve needed them. They are quick to process claims and always helpful.” – Jane D., New York

Our Verdict

Trupanion is a great pet insurance company that offers comprehensive coverage with no payout limits. They have some of the most comprehensive coverage within the pet insurance industry. The biggest draw of Trupanion, though, is it’s up to 100% payout amount. Most other pet insurance companies pay 70% of your claim, but Trupanion is dedicated to making sure you get your full 100%. This could add up to thousands of dollars in savings.

However, they do have a few drawbacks. First, they don’t cover pre-existing conditions, though most companies do not. Second, they have a waiting period of 5 days for accidents and 30 days for illnesses, which means if your pet gets sick two weeks into your plan, you can’t use the coverage, which again is common with most insurance providers.  Overall, we think that Trupanion is a great choice for pet insurance, and we recommend them to our readers.