Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,952

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: Stephanie Sheaffer

Two Foreign Body Surgeries in 3 Weeks! Trupanion Saves the Dog and the Bank Account

My 16 month old Rott x Lab had 2 surgeries for foreign body removal within 3 weeks of each other. He has had Trupanion since I got him as an 8 week old puppy. The Trupanion team has been wonderful to work with, the app usually works really well, they have quick turn around times in claim processing and the best part is that they are working with the vet clinics to pay them directly rather than the owner needing to have all of the money up front and then submitting for reimbursement. This is two incidents of over $4000 each in less than a month! All of my dogs have Trupanion. For major medical, it is so worth it. Premiums are extremely reasonable, especially if you enroll your puppy immediately. Premiums stay the same as your pet ages, only adjusted for inflation type of costs. You aren't put on restrictions, premiums increased, or coverage dropped for multiple high cost procedures. I love Trupanion. All pet owners should at least have it for major medical issues like foreign body exploratory surgeries. Breeders: you can buy a breeding rider that covers c-sections and other reproductive organ issues.
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5

out of 5

POSTED: | BY: Tina Washington

I called and needed help submitting an…

I called and needed help submitting an online claim and they totally walked me through each step.
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5

out of 5

POSTED: | BY: Susan

It's a comfort to know we will be able to afford the best care for our Dog.

First..I would like to say..The people who answer the phones to help you with a claim are very polite, understanding, and helpful. We have used Trupanion a couple of times, and filing a claim is fast and easy. It's a true comfort to know that with the help of Trupanion, we can afford to provide our Dog with the best care possible. Thank you Trupanion for being there.
5

out of 5

POSTED: | BY: Jonathan

Incredible Resource

Trupanion has been an incredible partner and lifesaving resource for my dog. We have utilized our plan more than we or they could have envisioned and they have always followed through with integrity, clear replies to questions, and timely reimbursements for covered costs. I would never go without pet insurance again and can't imagine a better experience than I've had with Trupanion.
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5

out of 5

POSTED: | BY: Eleanor

Trupanion pays our claims almost instantly!

We have all 3 of our dogs insured with Trupanion, at very little monthly cost. We are always amazed at how quickly their claims are paid. We frequently comment that insurance companies for humans could learn a lot from Trupanion!,
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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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