Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,131

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: Chris

Nice rep

The rep I spoke to was very nice and accommodating. Unfortunately my issue needs to go through the appeals process. It remains to be seen if I would rec this ins company. My last claim was rejected due to my cat having"dirty ears" while in the shelter in Sept 2016 prior to his adoption and coverage and my last vet visit with him on Dec 15 2017 for scabs on his skin may be because of food allergies. It still has not been determined why he has scabs on his back but bc ear issues can be a symptom of allergies it was rejected. I currently have my vet writing in to appeal the decision since the dirty ears were found in cat who was a rescue and he was a stray when taken in to original shelter. There were no other ear conditions found after sept 2016 through present day and I am not happy that the company may be trying to get out of future coverage needed if this condition persists. He did not have any allergy like issues before this visit and my vet doesn't think "dirty ears" or an isolated ear infection is connected to scabs on his back now that MAY be food allergies or poss something else that has yet to be determined. I will anxiously await a response and a final determination to the appeal before making any final recommendations.
5

out of 5

POSTED: | BY: Dave

Happy with service

very happy with the service and prompt payouts, however I am EXTREMELY unhappy and displeased with the rate increases over the course of my dog's lifespan. had I known the rate would nearly quadruple, I wouldn't have bothered. I find that to be very unreasonable.
5

out of 5

POSTED: | BY: Lee

Polite reps

The customer service reps have been polite but the claims process and appeals have been confusing... especially since I got my mail returned to me because the address on the appeal form was incorrect. Remains to be seen how this will get resolved.
5

out of 5

POSTED: | BY: Catherine

Very nice reps

Your customer service reps are always very very nice to me on the phone. Patient and willing to help. I'm not a fan of the way you submit claims and i don't like the deductible per item, i would rather whole dog per year. I've had too much trouble getting my related to be one claim. So, no, I don't usually recommend trupanion to my clients. Nor does my vet.
5

out of 5

POSTED: | BY: Cherie

Not on file

What I was looking for wasn't on file so it wasn't due to neglect that I didn't receive what I was looking for.
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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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