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
1

out of 5

POSTED: | BY: Leticia Benites

I have only started a policy for my 2…

I have only started a policy for my 2 year old rescued dog. I took her to her to a clinic after only 2 weeks of adoption, so she would be current with all of her vaccines , full check up, and to make sure she Had no pre existing condition before stating a plan with trupanion. And the doctor was very clear saying my dog has NO PREEXISTING CONDITION. She asked me everything about my new dog, and she was adapting to her new house, diet etc... just like a normal doctor would do. I told her I had no idea what of food my dog was eating before we had adopted her but she was now eating a good quality of dog food( which I asked a vet to help me choosing the best option of dog food ). And because of the transition of a different diet, my dog had an upset stomach and puked 1 time. The doctor said it is absolutely normal and not to worry about. Sure enough , trupanion has listed my dog with a preexisting condition, stating DIGESTIVE ISSUE. I called them right away when I got my dogs coverage today, I was so disappointed, this is so frustrating. Why would they ever have this on my dogs policy if it is not their intention to NEVER COVER MY DOG FIR ANY DIGESTIVE ISSUE RELATED IN THE FUTURE. I am so glad I am reading all of these reviews here today. Because today is the first day of coverage, I haven’t used their plan yet, but I know this will be a huge issue down the road .... thank you so much for everybody who wrote in here. I am going to cancel this today . Please don’t bother replying to this , asking me to call and having someone to talk with and help me. I already called twice today, and was denied any help twice. My respond: THERE ARE NO NOTES FROM THE DOCTOR. The only note is from the tech. The only note from the doctor is that THERE IS NO PREEXISTING CONDITION, and specially no digestive issues. But trupanion used a note from a tech anyways...
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5

out of 5

POSTED: | BY: Eleanor

Always fast & excellent customer service!

We have 3 dogs, all with the protection of Trupanion pet insurance. All claims are processed quickly, with no hassle, an easy form, and great prices for our peace of mind. Thank you for making our lives a little easier.
5

out of 5

POSTED: | BY: Virginia

Trupanion Pet Insurance They are AWESOME I have had them for 15 years

Everyone who has a pet should have Trupanion Pet Insurance...They really care about you and your pets health.
2

out of 5

POSTED: | BY: Juliana

You’re not in Cali anymore you’re a little out of range pricing wise but I feel for those in Florida .

You’re not in Cali anymore , you’re a little out of range pricing wise but I feel for those in Florida .. it’s double . There’s a lot of complaint you deny claims left and right . I put thousands into this plan and got nada out of it . I always erred in the side of caution but I feel maybe there were better options .
5

out of 5

POSTED: | BY:

Wide range of options comprehensive coverage provided and amazing customer service.

Wide range of options, comprehensive coverage provided, and amazing customer service.
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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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