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Trupanion
4.7 from 49 reviews · View Statistics
See the Best Pet Insurance in 2022 as rated by Australians on ProductReview.com.au.
Listing monitored by Trupanion

Pros

No caps on claim amounts
Covers 90% of eligible costs
Speedy claims process

Reviews

4.7
49 reviews
  • Value for Money
    4.6 (47)
  • Transparency
    4.6 (45)
  • Customer Service
    4.7 (46)
  • Claim Resolution Time
    • <1 week (35)
    • 1-2 weeks (5)
    • 2-4 weeks (4)
  • Claim ApprovedYes (40) · No (0)
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Graus Philip
Graus PhilipSydney, NSW

Very glad we have insurance for Marcel

published

Our insurance with Trupanion was not the cheapest but recommended by the breeder. Claims have been sorted out quickly via our vet generally.

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Be CAREFUL

published

Got my dog’s medical summary to see what they will cover and they are claiming my dog got illness that doesn’t exist !!!! Ridiculous, worst insurance ever.

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Not worth it.

published

90% back?
I don't think so.
On two separate claims on two different dogs on their most expensive cover we got around $30 back on vet bills over $300.
I'll be putting my money in the bank from now on.

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Would never go anywhere else for Pet Insurance!!!

published

Excellent Value! Claim turnaround extremely quick 3 days. With Trupanion for a short time when our Cat was diagnosed with a deadly virus called FIP. Treatment was expensive. They covered it! Unfortunately Opie didn’t survive and we were shattered. Trupanion sent us a condolences card which was just the sweetest. They care. They genuinely care. I would never go anywhere else when and if we decide to purchase another pet. 10000% I recommend them!

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Great product and service, no fuss.

published

After a recommendation from our vet, we took out a Trupanion policy for our Miniature Schnauzer. 6 months later, she swallowed a rock and needed surgery which cost around $4,000 including overnight observation at a separate hospital. Trupanion covered the 90% as advertised (minus our excess) without any hoops or fuss, with quick payment.

Definitely recommend. Having this coverage took the financial strain out of an already very difficult time of dealing with a life threatening issue with our dog, Willow.

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Miriam K.
Miriam K.
  • 2 reviews
  • 1 like

Not recommended.

published

Not good value as they immediately try to get out of covering things. Told different things by different consultants during a very stressful time, which didn't help my impression of their professionalism or care.

Also, their customer service team is in the US so there can be a bit of a disconcerting lag. Plus it is just super odd to be told "have a nice day!" after they've called to tell you that your very ill dog won't be covered for his acute illness because once upon a time you mentioned to your vet that he occasionally does a runny poop.

I've been with them 4 or 5 months and hoped I wouldn't need them. Probably okay for a puppy, definitely would not recommend them for a rescue dog.

  • Incentivised Review No
  • Claim Made Yes
  • Number of Pets1 pets
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Liana E.
Liana E.Greater Melbourne (Inner), VIC

Would give zero star if I could

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Grateful fur mum
Grateful fur mumGreater Melbourne (Metropolitan), VIC
  • 3 reviews
  • Verified

The best pet insurance you will find!

published

I cannot fault Trupanion at all, and have had my 15mth old pup insured with them from when we got her. Sadly, she injured herself within the first week, but Trupanion were amazing and the claim was paid out very quickly. I had to chase up the vet to send all the diagnostics information to TP, but once this was done, the claim was paid out within 2 weeks. Everyone I spoke to was so supportive, their empathy and concern is second to none, and you can tell the staff really care about your pet and want the best for them. They're happy to answer any, and all questions you might have, and nothing is too much trouble - you will not find a better insurance company!!! If I could give 10 stars, I would!

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Vee Stirling
Vee StirlingSouth East Queensland, QLD
  • 3 reviews

Excellent pet insurance

published

I started pet insurance for my puppy since he was about 4 months old, after seeing an ad in the vet surgery. So far I have made 2 claims due to my puppies leg bone not growing properly and he needed surgery. Trupanion claims have been incredibly easy, and their response and reimbursement have been very quick and trouble free. Highly recommend Trupanion for pet insurance.

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Ian Mac
Ian MacSydney, NSW
  • 2 reviews

Timely, supportive and transparent

published

Our dog has been insured with Trupanion since we got her as a puppy in 2020. She's usually healthy, happy and full of 'get-up-and-go'. But a digestive tract issue has caused her regular discomfort, requiring a series of vet consultations then a specialist hospital visit. Each claim submitted to Trupanion has been processed in a timely and efficient manner. Our most recent claim, for specialist treatment, was settled and paid within 3 days - unprecedented in our experience with previous pet insurers. On each occasion Trupanion's customer service has been excellent - with regular updates and clarity of the messaging - whilst the online claims process is first-class. In every respect Trupanion has been an excellent choice.

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Seamless online claims process, easy-to-understand policy

published

After having our policy for a little over a year, our first claim for hospital care and diagnostic testing was paid out in less than a week - and this was over the busy Christmas period!

All the invoices were lodged online and we found the communication via email to be friendly and timely.

The 90% coverage is easy to understand and for us the only exclusions were the examination fees. We have kept our policy cost lower by choosing a higher excess, this gave us peace of mind that we could get the very best care for our dear little Hugo when he unexpectedly became very unwell.

We highly recommend Trupanion.

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sjb
sjbGreater Melbourne (Metropolitan), VIC

Exceptional customer service, great policy

published

Very quick to lodge and you receive frequent updates throughout the entire claims process. As long as your issue falls within policy dates you're basically covered for everything, and the customer service is great.

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Excellent service and cover

published

This is our first time with Trupanion (have used other insurers for other dogs) and this is the best by far. Clear product value, easy to communicate and great service

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Jodi A.
Jodi A.
  • 3 reviews
  • 4 likes

Such a pleasant surprise! Thank you Trupanion!

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Amber C.
Amber C.Greater Melbourne (Metropolitan), VIC

Fast and Easy Claims

published

Pet insurance is a minefield no doubt but Trupanion has been easy to deal with and processed our claims so far with no fuss. It's wise to insure your dog and I'd recommend Trupanion for this based off our experience so far! Thank you for taking care of our Gussy!

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Questions & Answers

Sandra  G.
Sandra G.asked

How much a week for a male 8 week old puppy?

2 answers
Grateful fur mum
Grateful fur mum
Trupanion
Dr Stephen R.TrupanionSend a private message
Telco
Telcoasked

Is this a Australian company

2 answers
Bruce
Bruce

No y to o my knowledge it’s a US insurer that has an Australian insurance administration company (so it can provide its services inn Australia)

Trupanion
Dr Stephen R.TrupanionSend a private message
Kazu
Kazuasked

My cat has pre-existing condition (bladder infection) but it hasn't happened more than 12 month. He has nothing problem about health now.
Can he take an insurance ? and also , Will its pre-existing be covered by insurance in the future? He is still 4years old.

1 answer
Sambo
Sambo

Get an answer from our members and Trupanion representatives

Details · 

Trupanion has a single policy, with price options varying depending on the excess you choose. You can also add on optional extra cover, in the form of Recovery and Complementary Care, and a Pet Owner Assistance Package.

Plan Features

  • Trupanion’s single pet cover plan has unlimited payouts with no sub-limits. This means that the amount of money you’re able to get back for an eligible claim isn’t capped at any annual amount or at a sub-limit amount - which caps reimbursements for a specific condition.
  • The plan covers 90% of eligible costs for new injuries and illnesses.
  • Exclusions from coverage include pre-existing conditions, exam or consultation fees, and routine and preventative care.
  • You don’t have to wait to be reimbursed, as Trupanion allows you to pay your portion of the bill at the vet’s, while paying the rest of it on the spot.
  • A 30-day cooling off period allows you to cancel the plan if you change your mind. There is also no lock-in contract, so you can cancel your policy during the coverage period without continuing to be charged.

Premium and excess options

  • Flexible premiums allow you to lower the cost of your monthly premiums by choosing the amount of excess you want to pay, from no excess to a $1, 000 excess.
  • Policy holders also have lifetime, per condition excess. This means that once you pay the full excess amount for a condition, you don’t have to pay it again for the rest of your pet’s life
  • Premiums also don’t increase because you’ve made claims on your policy, or because your pet has gotten older.

Waiting periods

  • A 5-day waiting period applies for pets who have sustained an injury through an accident.
  • A 30-day waiting period applies for illnesses.

Points of praise from reviewers

  • A high claim approval rate gave pet owners peace of mind that they wouldn’t be left out of pocket when it came to their pet’s medical expenses.
  • Claims were approved quickly and easily, which reviewers appreciated. Friendly and helpful staff were available to answer the phone and guide pet owners through the claims process. These staff even followed up with pet owners on the wellbeing of pets after a claim had been approved.
  • According to reviewers, Trupanion makes good on its claim to cover 90% of costs minus excess, which is a high amount compared to other insurers.
  • Reviewers liked that payments were made by Trupanion directly to the vet, as this meant they weren’t left out of pocket.

CategoryPet Insurance
UnderwriterHollard
Annual Benefit Limit$100,000
Amount of Vet Bill Covered Up to 90%
Accidental Injury Cover Included
Illness CoverIncluded
Routine Care CoverNot Included
Tick ParalysisIncluded
Emergency Boarding FeesOptional Extra
Lifetime Cover Included
Cooling Off Period30 Days
Consultation FeesNot Included
Cruciate Ligament ConditionsIncluded
Waiting Period for Illness 30 Days
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Extra Information

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SimonC

My cat might not be here if not for PIA

by SimonC on 12 Aug 2022
I took out pet insurance for my kittens at the start back in 2018, with PIA just in case. Of course hoping I would never have to make a claim - but un... Read full review

Simon

Hassle free and fast

by Simon on 11 Aug 2022
We have made two claims in the last two years for our Blue Heeler, Gypsy. Both claims were processed quickly and paid. Very happy with the service.... Read full review

Sayantan

Helpful

by Sayantan on 10 Aug 2022
I had a recent claim with Pet Insurance Australia for my dog and it was very professionally attended to. Thanks Pet Insurance Australia... Read full review

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