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: Sandrea

What a Relief!

I have had Trupanion for a few years on a rescue dog that I adopted. Not long ago, my dog bloated and torsioned (GDV). When the vet asked me if he could do x-rays and then surgery, I told him my dog had insurance and do whatever he needed to do. It was a huge relief to be able to put money issues aside and get my dog the emergency care he needed. This was my first claim for my dog, so it took awhile to get the vet paperwork in, and then the vet had to amend a note, but once this was done, payment was almost immediate.
2

out of 5

POSTED: | BY: Judie Gee

The jury is still out

I submitted my first claim a week ago for Phoebe's surgery, and just received an email saying the payment would be put into my bank account as requested. Now, I must add that I submitted an estimate BEFORE the actual surgery, so Trupanion had plenty of time to research and evaluate. I must say I am very disappointed and amazed at the exclusions Trupanion was able to find on my claim. What they are "allowing" does not reflect what they advertise. I thought we were getting excellent coverage. We shall see...
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5

out of 5

POSTED: | BY: Corey

Simple but extremely wonderful peace of mind......

Trupanion is one of the top rated pet insurers. I haven't had to file a claim (thankfully!)for any thing catastrophic and hope I never do but my vet highly recommended Trupanion. For the price, the coverage, and peace of mind it is a no brainer. My pets are like the rest of my kids in that I'll do whatever needs to be done to take care of them!
5

out of 5

POSTED: | BY: Scott

Remarkable customer service and care

I had been with this insurer for 10 years. Recently, my golden doodle suffered a rare blood disease and the end result, after many tests and treatments was to put her to sleep. During the entire 10 years, and most especially in the past few weeks, the people at trupanion went way above and beyond. I never write reviews but I felt it important to mention that this is a business that cares about the customers they serve. Thank you again for your incredibly compassionate and excellent service.
5

out of 5

POSTED: | BY: Alex

Excellent, but pricey

I had our old Samoyed dog insured with Trupanion and was very happy I did. Wish I could have afforded it for all my pets. Maybe one time in six they mistake something for a new illness and apply the deductable again but this has always been easily sorted out. Sometimes the connection between illnesses isn't obvious - especially as different vets and hospitals will explain the same problem in different ways ('cervical neuopathy' is the cause of 'walking difficulty' etc., not two different things.) They paid thousands without blinking. Must be at least $10k. Well worth it. MRIs, stem cells, gastric torsion surgery. He had better healthcare than I did. We are currently stuck with Figo for six pets. No claim they can't turn into a complete nightmare disaster. With Trupanion you get a diagnosis and your worries are over. With Figo your pet gets sick and your troubles are just beginning.
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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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