Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 63,005

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: L. Rognie Rodriguez

Nightmare in the ER - Trupanion

We just got Trupanion. And already they’ve concocted a reason not to reimburse us. Our Corgi is 4 years old. As many dogs he eats things he shouldn’t - sometimes, rarely. Our dog has a foreign object in his intestine. It is a major emergency ! And also an accident. Short story: Trupanion has refused to cover the bill. Our dog is still in the ER operating room and Trupanion does not want to cover any of the costs. We were so surprised. And it is very difficult for us. They told us: “the same or similar activity occurred more than once before your enrollment date. These include eating a plastic ball on September 9th, 2022 and eating salt on the ground and vomiting for 3-4 days on January 27th, 2023. Because these activities are noted before you enrolled, this portion of the claim can’t be covered.” To be clear, pieces of a ball were accidentally ingested. And he also ate some street salt. That’s right, eating salt, once, is apparently “a pre-existing condition”. Now you know the truth regarding their coverage. Oh and yes the sales people are so kind and nice and told us that yes, everything is covered if it’s an accident…. Buyer beware, Trupanion plays very fast and loose with their definition of ‘accident’ and ‘pre-existing condition’... Wow what a waste of money. We’re gonna to look for other coverage. We can’t imagine there’s anything worse out there. We feel so bad and our pet is still in the ER.
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5

out of 5

POSTED: | BY: Janet Paz

NOT JUST A NUMBER!

We acquired Trupanion when we rescued our puppy DeMi and we were extremely impressed with the quality of service via emails,texts and phone calls and the heartfelt concerns of the staff. They go above and beyond!!!
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5

out of 5

POSTED: | BY: Jenny Bruce

I had a unfortunate illness come to My…

I had a unfortunate illness come to My Big Baby Duke after boarding, Kennel cough and Pneumonia. I was so scared and worried about reimbursement after paying upfront for Emergency room care, and after speaking to different representatives they eased my nerves. Thank you again for the Great Customer Service and prompt check to me.
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5

out of 5

POSTED: | BY: Danielle Curcio

They react instantly with our vet…

They react instantly with our vet hospital. As soon as I am up at the desk to check out, they call them and get my claim verified right away. I also receive email messages at the same time letting me know what is going on with my claim. I can concentrate on my dog's needs and have no stress. Thank you Trupanion.
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5

out of 5

POSTED: | BY: customer

WE BOUGHT A PUPPY

WE BOUGHT A PUPPY, AND MY DAUGHTER SUGGESTED THAT WE PURCHASE TRUPANION INSURANCE. THANK GOODNESS WE DID, AFTER ONE YEAR KNEE OPERATION AND YEAR LATTER THE OYTHER KNEE NEEDED AN OPERATION. TRUPANION TOOK CARE OF THE AGREED PORTION OF BOTH INVOICES QUICKLY AND NO PROBLEMS. THE TRUE SAVING BY FAR.
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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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