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
4

out of 5

POSTED: | BY: Valued Customer nance

My experience with Trupanion was good

My experience with Trupanion was good. Although my regular vet immediately excepts Trupanion for the bill, I had to take my dog to a new veterinarian as I couldn't get an apt there. I submitted the bill to them electronically and they paid their share very quickly.
5

out of 5

POSTED: | BY: customerChristine Moulthrop

Trupanion is always there to help me…

Trupanion is always there to help me give my dog the best care possible!
1

out of 5

POSTED: | BY: Ed Miranda

Dumbest policy ever....

I will keep writing bad reviews because of the stupid policies they have. My dog was taken off of another policy I paid for,for 5 years. When my ex and I split up we separated our dogs into two separate policies. She added her credit card to begin paying for "her" dog. Trupanion owed me a significant credit. They gave my credit to my ex on her credit card..... When I questioned it and pointed out thier mistake, they said it was thier policy to credit her card and not mine.... so again, I paid with my card for five years.... she newly adds her card and received my credit. They will not do anything about it. To them this makes sense..... I will keep writing bad reviews until my dog passes and I'm through with them or until they admit thier mistake and credit me back my money. They want me to reachout to them. They already made it perfectly clear they will not do anything about it. Why they want me to call them is beyond me. They will only support their stupidity and make me angrier then I already am.
5

out of 5

POSTED: | BY: Lisa Gutierrez

It is very easy to turn in invoices and…

It is very easy to turn in invoices and reimbursement is overnight. Great doing business with a company that is quick and easy especially during a trying time for our fur baby.
5

out of 5

POSTED: | BY: Katie

Trupanion allowed us to focus on what mattered most, getting our baby the care he needed.

Trupanion took away the stress of an additional financial burden and allowed us to focus on what truly mattered the most, making sure our baby got the care he needed and was able to come home to us healthy. I've long been a believer in Pet Insurance, but our experience this past weekend made a firm believer out of my husband as well. Our emergency vet was able to submit the claims to insurance before payments were made on our end. This allowed us to just pay our co-insurance. Trupanion also pre-approved the entire deposit that was necessary for our boy to receive his care. We were able to leave him with the best team without paying a dime of the deposit. It made what was already a terrifying and dreadful experience just a little bit easier to weather. Thank you Trupanion!

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 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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