Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 60,489

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: Cindy B

I’ve had Trupanion for both of my dogs…

I’ve had Trupanion for both of my dogs since they were 9weeks old for my breeder purchased pup & a year and a half old for my rescue pup. They are both now 11 1/2. I couldn’t be happier with this pet insurance. My claims have always been reimbursed at 90% after deductibles and uncovered expenses have been taken into consideration until just recently.In this recent claim that wasn’t fully covered, I was able to use Trupanion’s appeal process for that claim and it was reviewed and completed within a day. It’s the first time in 11 1/2 yrs that I needed to appeal a claim, which says something about the value of this insurance. After submitting my appeal form, explanation and backup from my dogs Veterinarian , Trupanion covered my claim and are now paying me the difference from the original reimbursement. This pet insurance has been a GOD send and it is so easy to communicate and process a claim or an appeal if needed. I do everything online and through email from the original claim and now , to the appeal. it’s really so easy to do with Trupanion and the reimbursement can’t be beat. I have just sent a referral link for Trupanion Pet Insurance to my daughter who recently got her own rescue pup and I hope she sees and enjoys the value of this insurance as I have. Thank you Trupanion.
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5

out of 5

POSTED: | BY: Heather Foster

Helped me switch payment dates!

Cayden helped me out with switching my payment date for the month and now I feel better knowing I'm able to do that if I needed to. He was very nice and helpful, Definitely would recommend family and friends to this company for there fur babies, they seem like they really care.
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1

out of 5

POSTED: | BY: Amy Gross

Do not use Trupanion pet insurance they…

Do not use Trupanion pet insurance they are dishonest when signing up and tell you the amount you pay does not go up when you sign up but it actually goes up double for the next year! To which they use the excuse of where your vet is based. I am paying more for a two year old dog than my 12 year old dog who is with a different company. Make sure to read their policy before signing up!!!!!! I definitely don’t recommend them and definitely find a different company
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1

out of 5

POSTED: | BY: Kate Herrick

My dog just had an exam and shots last…week!

My dog just had an exam and shots last week. This company won't give a quote unless your pet has been to the vet within 24 hours. That's absolutely insane!
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5

out of 5

POSTED: | BY: Barbara

I was very excited State Farm has Pet…

I was very excited State Farm has Pet Insurance! Jodi was amazing at my local Tracy Rush State Farm office. I asked her about it and she was so knowledgably about what the options were and everything I needed to know to make a logical and cost effective decision that fit my budget.
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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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