Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,951

Pets can be full of surprises-so their insurance coverage shouldn’t be. That’s why Trupanion is dedicated to helping pets we love get the care they need. They’ve been around for more than 20 years, making them experts and setting standards for the industry. One perk of this, and what they pride themselves on, is the amount they pay out to pet owners for each claim. Paying out more on the dollar than any other pet insurance provider. To date they have paid out $2 Billion in claims and have insured nearly 1 million pets. Trupanion pets lead longer happier lives.1 Pets insured with Trupanion lived longer than pets without Trupanion because pet parents didn’t have to worry about the cost of the care their pet needed. Depending on the plan Trupanion covers up to 90% of eligible expenses, has unlimited payouts-always, and can pay your vet bill, within seconds, at time of checkout, so all you pay is your portion (anything not covered by Trupanion). They have transformed the way pet insurance handles claims by eliminating the reimbursement process. To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month. 1 Based on a November 2020 internal study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy. * Terms and Conditions apply. Policy details vary by state, please review your states policy for full coverage details. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay. Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Administered in Canada by Canada Pet Health Insurance Services, Inc. dba trupanion and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Please visit AmericanPetInsurance.com to review all available pet health insurance products. Source: Survey commissioned by dvm360, from April 19-June 9, 2022
1

out of 5

POSTED: | BY: Rob Patrck

DON'T TRUST THIS COMPANY

Our dog ingested something in January 2015 that got stuck in his intestines and had to have surgery. He recovered fine but in June of 2015 he grabbed a pine cone and we were concerned that he might have another issue so we took him into the vet and found out he was fine. We saw a brochure at the Vet for Trupanion and we contacted them to get insurance. Two years later (July 2017) our dog ingested some material and it got stuck and unfortunately had to have another operation. We were suck about this but felt comforted that we had insurance and knew the care would be covered. Well, our claim was denied because they claimed his trip to the Vet in June 2015 when we were only concerned constituted a repetitive activity. HE IS A DOG THAT IS WHAT THEY DO. . Illnesses or Injuries that arise from a repetitive and specific activity that leads to medical or surgical treatment of Your Pet (e.g., ingestion of foreign materials and bite wounds) if the same or similar activity occurred two times within the 18 month period prior to the Policy Enrollment Date. They were more than happy to collect our money for two years but when this happened they simply denied. THIS IS HOW INSURANCE WORKS AND WHY IT IS NOT WORTH GETTING. They are good at collecting not so good at covering. DON'T WASTE YOUR HARD EARNED MONEY!!!!!
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1

out of 5

POSTED: | BY: Sydney Patrick

DO NOT PURCHASE TRUPANION INSURANCE!!!

This company is more than happy to take your money every month and advertise how they cover 90% of medical costs. We purchased insurance over 2 years ago and were just denied coverage of a surgery due to a pre-existing condition that occured twice within 18 months of signing up. This "pre existing condition" is my dog ingested a foreign object 2 1/2 years ago (required surgery) and then a visit to the vet out of fear of vomitting he was experiencing knowing he had surgery 5 months earlier. The 2nd vet visit was out of concern/fear and nothing was ingested by my pet. A proactive visit to the vet became a pre existing condition for my dog! Trupanion was more than happy to take my premiums for 2 whole years and deny my recent claim because of their small print for what THEY deem a pre existing condition. We are absolutely sick about the health of our dog, but felt comforted by the fact that we had Trupanion. What a scam. This is not insurance. It is a money grab. DO NOT PURCHASE TRUPANION INSURANCE FOR YOUR PET!
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5

out of 5

POSTED: | BY: Lori

I love your message of thanking me for take good care of Shadow.

I love your message of thanking me for take good care of Shadow. It is heartfelt. I appreciate hearing this. Your customer service personnel are extremely cheerful, very concern for my pet, extremely helpful. Just live talking with them. Thank you
5

out of 5

POSTED: | BY: Paula

Becoming very expensive.

Becoming very expensive. Feel like we are being taken advantage of with higher premiums like health insurance.
5

out of 5

POSTED: | BY: Twisha

You are an exception company and we are very happy to know that Our baby is protected by your coverage if he needs any help.

You are an exception company and we are very happy to know that Our baby is protected by your coverage if he needs any help. Always been understanding, and have helped us in our hour of need. Apart from being accommodating and helpful your polite staff are respectful alongside other good qualities in all aspects.thank you all
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Monthly Cost

Your monthly premium is determined by multiple factors including your pet’s species, gender, breed, age, zip code, and the deductible amount you choose if your policy allows.

Coverage

Depending on your plan, the Trupanion policy pays up to 100% of your vet bill for all eligible expenses. There are unlimited payout limits, always and Trupanion will never increase or cancel your coverage because of claims you submit. Coverage includes new accidents and illnesses, hereditary, congenital, and chronic conditions, diagnostic tests, hospital stays, and much more. Trupanion prides itself on paying out more on the dollar than any other provider and has paid out nearly $2 billion in claims to date.

Payout Limits

The Trupanion policy* has no payout limits, so whether your pet needs one quick visit or a lifetime of care, your coverage won’t quit. That can mean a big difference if your pet develops a chronic condition requiring extended care like allergies, diabetes, or even cancer.

Deductible

If your Trupanion policy has a deductible, you can customize it to fit your budget. You can choose from $50 to $1,000 in increments of $5, or choose to have no deductible at all. Trupanion deductibles are per-condition and good for the life of your pet. That means no annual resets-once a deductible is met, you never have to pay the deductible for that condition again.

Age Limits

All new pets can enroll from birth until their 14th birthday. Once your pet is enrolled, they can be enrolled for life

Waiting Period

Waiting periods vary by state. Please see your states policy for full coverage details. However, other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.

Exclusions

Trupanion was developed to protect you and your pet from unexpected illnesses and injuries. That means we don’t cover “predictable” care costs that you can plan ahead for, like: Examination fees Wellness and preventive care Elective, or cosmetic procedures Sales tax, where applicable Like many other pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early! * Terms and Conditions apply. Coverage may vary by state. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay. Underwritten in Canada by Omega General Insurance Company and GPIC Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Please visit AmericanPetInsurance.com to review all available pet health insurance products.
Trupanion Pet Insurance detail
Trupanion was founded in 2000 with the goal to help pet owners plan for the unexpected and take the cost out of the care equation. They believe that the pets—and the veterinary professionals who help them—deserve better. That’s why Trupanion is a proud member of the North American Pet Health Insurance Association. We’re committed to sharing industry data, supporting animal welfare organizations, and working with federal and state regulators to help more pets get better care. Our members know we’re ahead of the pack, because there’s pet insurance—then there’s Trupanion: 24/7/365 Member Support—yes, even on holidays 20+ years of experience Nearly $2 Billion paid in claims Over 800,000 pets protected Unlimited Payouts The only provider that can pay your veterinarian directly at checkout* Accepted everywhere in the USA, Canada, Puerto Rico, and Australia * At participating hospitals
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