5
out of 5
POSTED: | BY: Ann
Always accommodating.
Always accommodating. Service providers seem to enjoy their work and actually follow through.
4.9
out of 5
Number of reviews 59,467
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: Gail
Great customer service!
Customer service at Trupanion is always excellent whenever I call I always get a prompt answer. Thankyou very much for the help and services.
5
out of 5
POSTED: | BY: Ilana
They are amazing!
TRUPANION:
1) They do not have annual renewals, so they do not drop you at the next renewal if you have too many claims, nor do they exclude a condition like Addison's in year #2 if diagnosed in year #1--my horse insurance company did both of those
2) They don't exclude breed-specific issues, such as Addison's for Spoodles
3) Your rate at which you join is your rate for your pet's life. Mac joined at 10 months, so he has the under 1 year rate for life. Cost may go up due to health cost increases, but not due to your dog's age. Other companies, such as VPI, increase your rate each year based on your pet's age, by the time your dog is 10 years old, the rate is over $100 per month
4) They have had GREAT customer service
5) They reimburse 90% of ACTUAL costs, not usual and customary charges
6) you choose the deductible that makes you comfortable.
7) No annual limit on payouts.
8) Deductible is for lifetime of the pet, not per year. We paid $250 for Kobe’s Addison’s post-diagnosis, and we do not have to meet that deductible again.
Only down side is that they don't cover the cost of the vet visit, but IMHO, that is small potatoes compared to everything else. I have heard good things about Embrace as well, but watch out for increasing premiums as your dog ages. You want to make sure you can afford the policy when your dog really needs it when they are older.
5
out of 5
POSTED: | BY: Colleen
Helpful people, quick claim settlement
The people I spoke with on the phone prior to my dog’s surgery were kind and helpful. Submitting the claim was easy. Within 24 hours, I got email confirming them receiving my claim. I got the check reimbursing me for vet bills within a week.
5
out of 5
POSTED: | BY: Donna
Great customer service for claims
My Buddy had surgery to remove a suspicious cyst. When I sent in my claims, customer service rep was very helpful, knew the exact status of my claim and answered all of my questions. I received my claim payment from Trupanion quickly, less than 2 weeks after surgery. Very pleased with this company.
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 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