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
4

out of 5

POSTED: | BY: Lynn

I have so appreciated all that…

I have so appreciated all that Trupanion has done for us. I don't know where my precious little min dachshund Toby would be right now, with all his disc issues, without the intervention of Trupanion. I am so VERY VERY Grateful!!! My only disappointment is when I signed my third dog, onto the policy, that there was not a multi dog discount-- tough to do this on a widow's income-- and that I was charged a sign-on fee which I was blind-sighted by because no one shared that info with me when I signed her onto the policy. And when I signed Tilly, onto the policy, I was told about the the holistic approaches available for an extra fee. Untli that time, I had no idea that was an option. I know I was told that I was sent an email but I never received one because, being a naturopath myself, I would have jumped at the opportunity to get my Ruby on that enhanced coverage!!!!! Unfortunately, technology is NOT always reliable and when this type of email is sent out their should be a confirmation of receipt of the email, then when the company hears nothing back they should be proactive and follow up with the customers to be certain they even received it, especially when someone has been a faithful customer, for now over 5 years!!! None of this is meant to be critical, but having had my own business, years ago, I would pull out ALL the stops for my clients. I had no restrictions. But I am MOST grateful for how supportive and compassionate you have been with my Toby boy. These dogs are my true family, especially since my husband's passing. Thank you for all you do! I truly direct all pet parents to be proactive and seek out Trupanion-- often when I have been in a vet facility!! I am a true advocate of this pet insurance!!! With appreciation and blessings!! The Doxie Mom of three
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5

out of 5

POSTED: | BY: Linda

Excellent, caring and honest company makes chemo therapy possible

Trupanion provides an excellent insurance policy that allowed our family Australian Shepherd to get chemo that has extending his amazing life. They made money NOT be an issue or concern. We cannot thank them enough. AND they treat their Employees very well. After having Trupanion for 2 years I learned a friends daughter has worked for them for many years. She speaks very highly of the companies ethics in the workplace.
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5

out of 5

POSTED: | BY: Tara

Trupanion has been truly phenomenal…

Trupanion has been truly phenomenal through some very challenging times for our family. I recommend them to everyone I know that has pets. Claims couldn’t be easier. Thank you!!!
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5

out of 5

POSTED: | BY: Wendy Marchetti

Our beloved Leslie

We recently lost our beloved Lab, Leslie. It was a heart wrenching experience when she got into some skin cancer medicine. She was hospitalized and the doctors did all they could for her. Thank you to Trupanion we had no worries about financial burdens or worry over decisions being made about Leslie's treatment. The Trupanion people were so caring and told us not worry, they would take care of us. They sent us a note after Leslie's passing sending love and condolences. It was a wonderful experience in this heartbreaking situation. They paid 90% of the costs with no questions, but with wonderful compassion for our lovely companion. Thank you. Wendy
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5

out of 5

POSTED: | BY: Meg

Saved our dog’s life!

Trupanion has saved our dog’s life and improved his quality of life so many times! The reps are wonderful, and claim turnaround is swift!
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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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