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: Rainer Lagemann

Thank you Trupanion

We had two wonderful dogs, same age, same breed. Our Basenji Mia was the cutest, sweetest dog imaginable, but had all her life, one medical problem after the other. Very early on she was diagnosed with allergies against pretty much everything. Shortly after, with Fanconi disease – common in Basenjis but according to the breeder her parents were clear….. after that she had seizures caused by cancer. In the short 9 years of her life, she racked up quite a lot of medical bills. Trupanion paid out for Mia a total of $23,964.65. All payments came very fast, never ever did we have to worry about the financial side of Mia’s care, only about Mia herself. Bella, on the other hand, is very healthy and has hardly any problems. Both policies with Trupanion cost the same and just like with any health insurance, the healthy pay for the sick. The peace of mind that the health insurance for our babies gives us is priceless. I will happily pay for Bella every month, hoping that she will never use the insurance, but some other unlucky dog will be taken care of. Thank you Trupanion for providing such a wonderful service! Rainer Lagemann & Aljoe Almazan
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5

out of 5

POSTED: | BY: KATHLEEN

The Best!

Trupanion is the best! If it wasn't for Trupanion Insurance I would not have been able to get my dog the surgery she needed. They are the most helpful, kind, caring and professional people. I thank you from the bottom of my heart for all your assistance. JOB WELL DONE.....OUTSTANDING!
5

out of 5

POSTED: | BY: KELSEY

Trupanion helped me keep a piece of mind

Ranger's vet was able to do every diagnostic recommended and money wasn't a source of concern. I was able to focus on my baby's health and wellbeing when he was sick. My veterinary office was also able to use Trupanion Express so they handled my claim faster than I would've imagined!
5

out of 5

POSTED: | BY: Eric

Pays claims promptly and without a…

Pays claims promptly and without a great deal of paperwork. My pet needed an important operation and having Trupanion was the best thing that ever happened to me as a dog owner. Trupanion is awesome!
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5

out of 5

POSTED: | BY: Karen

Amazing, caring company with very fast turnaround time!

My dog requires herbal supplements that are pricey. Had it not been for Trupanion, I wouldn't never be able to afford them on my own. Trupanion has been wonderful! Their representatives are never quick to push you aside. A company where you don't feel like just another number!
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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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