Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,007

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: Shannon

There the best!

I love them there amazing literally if it wasn't for them I wouldn't even have my dog right now. My dog was only 9 weeks old and sick with a congenital disease in the hospital for two weeks hospitalized the bill was 65,000 dollars I was on there 30 day free trail and they covered 57,000 dollars and I didn't even pay them anything but they were there for her with no problem.
5

out of 5

POSTED: | BY: Dr. Michael McGuill

Hands down the best

I'm a veterinarian and have experience with many pet insurance companies, both for my own pets and for the pets of my clients. On a personal note, our beloved 3 year old dog contracted a serious infection, was hospitalized for 10 days, and tragically died of a blood clot to the brain when all other systems were on the mend. During this terrible time, it was comforting to know that we could make important care decisions without concerns about cost. Trupanion reimbursed us quickly for 90% of everything less the one time deductible and the small administrative fees. During a time of stress and ultimately grief, Trupanion came through. We experienced, and I hear from my clients, that Trupanion lacks the bureaucracy of other plans. The plan options are uncomplicated compared to others, and I take great comfort in knowing that the Plan's underwriter is owned by Trupanion. My last pet plan switched its underwriter, and suddenly our costs increased and we had a plan with less desirable coverage. I recommend Trupanion to my clients without reservation.
5

out of 5

POSTED: | BY: Allison

Highly recommend!!

I have had an amazing experience with Trupanion....helpful in every way possible and every time I have called the first question has been about how my dog is doing.
5

out of 5

POSTED: | BY: Robert

Excellent coverage

Trupanion has excellent coverage and a fast turn around for summited claims. We are not sure where we would be without having pet insurance and would highly recommended to anyone when getting a pet to buy insurance as well.
5

out of 5

POSTED: | BY: Catherine

Life saver

Our cat had diabetes, allergies and renal failure requiring daily medication. Trupanion paid for all his medical care including needles, test strips and over-the-counter allergy medications. They always processed my claims quickly and I was even able to submit by sending photos of the receipts and claim form by email. Our cat was hospitalized twice, and both times Trupanion paid the vet hospital directly. We will definitely get Trupanion coverage when we adopt our next pet.

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

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