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: Mike

Horrible insurance for pretty much everything and uses loopholes to not pay out claims. Dedicated to not paying claims

Ok so I get they don’t cover basic wellness checks but I mean damn. Trupanion totally sucks. They deny cleaning with anesthesia but require you to have yearly dental exams lol. So you must pay full for exams and then when you go for cleaning if the Vet listed tartar at all they are denied for life. I mean I brush her teeth and try my best to keep them clean but she’s 8 and well dogs need professional cleanings once and while. I pay since she’s a puppy and this scam of an insurance literally has denied every claim . Here’s the best part. I’ve only put in 1 and paid the others because I knew they wouldn’t but something like this you would think they would at least give you a few hundred bucks towards it. So bottom line is what are they paying out on ? I wish I started a pet insurance company. Just collect peoples money and never have to pay out a single claim. I think that’s called stealing. I truly got this insurance for a big emergency but the more I look into it I don’t know what emergency they would even pay out on? Pet insurance is such a god damn scam it’s ridiculous and the vets are all in on it with them. Any honest one who was retired would tell you. So now do you drop them and then the next one declines everything because she’s now older and wasn’t with them since a puppy therefore everything will be called pre existing? Thankfully I can afford the bills so far for this one. I’m sure some out there got lucky or unlucky depending on how you look at it if your dog fit the criteria for a paid claim. That probably means it’s a very serious issue. Never heard a good word about this scam insurance company and would never buy a policy again or tell someone else to. Trupanion should be ashamed of themselves for taking money and raising premiums but never helping out with a single claim that I’ve ever heard of from anybody whose gotten it. Go with MetLife or I hear lemonade is decent. Just DONT get “Scampanion” ! You will pay and pay and they won’t settle a single claim unless maybe your dog needs some emergency surgery or something and I pray that it’s covered for you and your animal. Thanks for nothing Trupanion. You truly suck
5

out of 5

POSTED: | BY: Arun sundar Arun sundar

Great support super success sappas

Great support super success sappas. Sbhs
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1

out of 5

POSTED: | BY: Ralph Sabine

Have had dog covered since 2018 when we…

Have had dog covered since 2018 when we adopted him from Virginia Beach SPCA. Have had two claims and both have been denied. First one due to vet not itemizing. Last one is because waited 3 months to have a dental cleaning that resulted in having an extraction. We had no idea it was needed nor did vet until procedure. I filed a complaint with Virginia BOI.
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2

out of 5

POSTED: | BY: Scarlett Delhierro

Not What I Expected

The product didn't match the description at all. I was really hoping for better quality, but it felt cheap. On top of that, it took longer to arrive than promised, which just added to my disappointment. I can't say I'll be ordering from here again anytime soon.
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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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