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Trupanion pet insurance review 2025

Updated February 09, 2025
Trupanion

Trupanion

Rating: 3.9 stars out of 5
3.9

Summary

Pros

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    Comprehensive coverage: Trupanion offers comprehensive coverage for various injuries, accidents and illnesses, including hereditary and congenital conditions.

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    Customizable deductibles: Trupanion allows you to choose your deductible amount, which can help tailor your policy to your budget and needs.

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    Direct payment to veterinarians: Trupanion offers direct payment to veterinarians, so you may not have to pay out of pocket and wait for reimbursement.

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    Unlimited coverage: Trupanion policies have no annual, per-incident or lifetime payout limits. Pet parents can rest easy knowing that their pet can receive vital medical care without worrying about reaching a maximum coverage amount.

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    Quick claim processing: If you visit a vet that doesn’t accept VetDirect Pay™, Trupanion typically processes claims quickly, over 70 percent of submissions receive reimbursement within 24 hours.

Cons

  • No wellness coverage: Trupanion's coverage focuses primarily on accidents and illnesses. Routine care and wellness visits are not covered.

  • Pre-existing conditions exclusion: Trupanion does not cover pre-existing conditions. This means conditions diagnosed before the policy start date will not be eligible for coverage.

  • Premium costs: Trupanion's premiums can be relatively high compared to other pet insurance providers, especially if you opt for low deductibles or additional coverage options.

  • Waiting periods: Like many pet insurance companies, Trupanion has waiting periods before coverage begins. This means you will have to wait before being able to file claims for certain conditions.

Frequently asked questions

Methodology

CTA Trupanion has 19 reviews

Trupanion has 19 reviews

Dive into community reviews below and see what others think about Trupanion.

3.7 Star Icon
19 ratings
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Score breakdown
5 stars
16%
4 stars
53%
3 stars
21%
2 stars
5%
1 star
5%
Score by category
Overall Experience Rating 3.7 / 5
Affordability Rating 3.4 / 5
Coverage Rating 3.8 / 5
Customer Support Rating 3.9 / 5
Customizations Rating 3.3 / 5

Community Reviews

See what users like you are saying about Trupanion.
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