Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,461

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: Patricia

Compassionate and professional.

I have been so pleased with Trupanion since the start of my policy when I got my puppy Wilbur, 3 1/2 years ago. In that course of times, I got a second Dogue De Bordeux puppy named Charlotte and went on to rescue, my Lhaso Apso Winnie. All of my dogs are covered by Trupanion. I have called them on many occasions for questions about my policy, they have always been polite, understanding and professional. This past June, when I took my dog Wilbur to the vet for one particular issue, by accident we discovered that my baby boy was suffering with Kidney Disease. The warning signs come to late. I was shocked at this news and just down right sick and so very distraught. I must've called Trupanion daily for the next few weeks after his diagnosis each time crying with such despair and hopelessness. Every single agent let me cry and talk my frustration out with them. They truly don't understand how important that was to me at that time. I will continue to fight for my dog Wilbur's health, and I am so grateful for my policy that I have with Trupanion. They help me with all the expenses that come along with my boy's disease. I'm trying so very hard to keep him alive for as long as possible and I am so very thankful that I have Trupanion on my side and that I get to deal with such kind, compassionate, animal loving people. Thank you Trupanion for everything you have done and continue to do for me and my family.
5

out of 5

POSTED: | BY: Kathryn

Literally a Lifesaver

We have been a Trupanion policyholder for years. We currently have 4 dogs and 1 cat - all insured by Trupanion - however, have had other pets previously insured. Trupanion was there to help us with expenses when our cat was diagnosed with cancer. They also helped with our dog who developed kidney disease. Both of these pets eventually passed away, however, Trupanion helped to extend their lives and their quality of lives with their 90% reimbursements. It was peace of mind knowing that once we met our deductible, we were reimbursed at 90% for their medications and tests. Trupanion allows you to fluctuate your monthly premiums depending on the deductible that you choose. This is very helpful in a multiple-pet household. The claims service is easily done online and the turnaround (direct deposit) is usually within a few days. You can file claims immediately or stockpile them in batches - which makes them even more convenient. Once the claim form, for a single incident, is signed by the doctor, you can re-use it - so you don't have to carry claim forms to the vet. The insurance portal is also convenient to use. Our pets are a part of our family and we would NEVER consider not having insurance on them - just as we wouldn't for our human members. Being avid pet owners, we have tried other pet insurance companies, however, we have found Trupanion to be the best. Trupanion is well worth the premiums to give you the peace of mind to know that you have help with the financial burdens of your pets' illnesses.
5

out of 5

POSTED: | BY: Sharyn

Thankful for Trupanion

A year ago my dog was diagnosed with Congestive Heart Failure. She has spent a lot of time in the ER/ICU for oxygen therapy. Trupanion has paid 90% of everything except the exam fees. They even reimbursed me for the equipment so I could do the oxygen therapy at home.
5

out of 5

POSTED: | BY: Eileen

Wonderful to cover expensive care for each recurring condition that were not eliminated by pre-existing conditions

It is critical to get insurance for your beloved pets before they develop pre-existing conditions. Even younger animals may require expenses for recurring conditions, especially expensive medications or supplements for example with allergies. Be careful in determining your deductible. The deductible applies to each condition. The total amount of a vet invoice will be divided by condition as shown on the invoice with consultation with the vet. Also, there is no compensation for doctors and consulting vet fees. After the deductible for a condition is met, compensation is paid out. The value of pet insurance is really in providing a cost safety net for recurring, expensive conditions such as kidney disease, cancer, allergic skin conditions, heart problems, pancreatitis, ear or eye problems.
5

out of 5

POSTED: | BY: Answering

Wonderful company!!!

Trupanion is wonderful. They are prompt and very fair in handling claims. Being a retiree and widow I know I️ can obtain the care my dogs need without the worry of how I️ can afford their care. Thank you, Trupanion!
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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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