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
5

out of 5

POSTED: | BY: Alice Hetrick

Reliving my worst nightmare, but this time I've got help...

My cat Rosemary's insurance has literally been a lifesaver. Almost 5 years ago my therapy cat, who was my very best friend, got diagnosed with lymphoma. For almost 2 months I didn't pay for rent, bills, anything. My entire paycheck went into his treatment and I still needed assistance from friends and family to cover the gap along with my bills and rent. I would do it all over again if I had to, but I sure was pretty deep in debt for years afterward. Our battle with lymphoma was brief, but fierce. He was 9. Since then, Rosemary immediately stepped up to the plate. We grieved together, we slowly got closer and found our new normal. I started her and her brother on Trupanion within days. And ever since then I make sure, come hell or high water, that on the 8th of every month there's enough in my bank account for Trupanion. Almost 2 months ago, Rosemary turned 8. One month ago, she was diagnosed with lymphoma. The vet went over information about the specific type that she has, and then started to talk about treatments, and her voice got real apologetic when she started talking about the prices. The ability to shake my head and tell my cat's oncologist "money's not an issue, do what she needs" was literally the only thing holding me together right then. She's since been responding to treatment very well so far, and we might get up to a year. I've been able to afford not only the roof over our heads, but plenty of treats that I know she likes, a couple new toys that I know she loves, and a new cat tree for her to explore while she's still mobile. But only because she's insured. I've always had positive interactions with Trupanion, they can pay my vet directly so that I only owe the difference, they process claims very quickly, and they're literally saving our lives. I worked as a groomer, and now in a vet's office, and I've been recommending them to my clients for years.
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5

out of 5

POSTED: | BY: Mike Bertrand

Absolutely perfect!!!

Absolutely perfect!!!
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3

out of 5

POSTED: | BY: Christina

wish there was more info upfront re: what is covered and what isnt. unless i missed it. i clicked into the "sample" contract. would like to see an actual before signing. like i said maybe i missed it.

wish there was more info upfront re: what is covered and what isnt. unless i missed it. i clicked into the "sample" contract. would like to see an actual before signing. like i said, maybe i missed it.
5

out of 5

POSTED: | BY: Geri

Bogey's best friend

What a life saver for having Trupanion insurance. I have had no problems with any of my claims. Customer service is outstanding & I get all the answers I need from them.
5

out of 5

POSTED: | BY: Gene

We looked at two insurance companies and Trupanion looked the best six years ago.

We looked at two insurance companies and Trupanion looked the best six years ago.
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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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