Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 62,998

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

VETERINARIAN: Beacon Emergency Animal Hosp

POSTED: | BY: Amy Bofman

Puppy Emergency

When I purchased puppy insurance, I was preparing for that emergency situation that i never thought would happen, and then there we were with our 4 mos old puppy who was in terrible terrible pain. We cannot rave enough about the staff and Dr's, and vet techs at the new Beacon Emergency Hospital in St Petersburg, FL. They exceeded all of our expectations and grateful only begins to express the care, professionalism and kindness we received from all at 10 pm at night. They took incredible care of our pup and we can't thank them enough. Then comes the bill, to my amazement, within 48 hours we had an approved invoice from Trupanion! They provided the financial support as advertised without any hesitation. No one wants to face this expense, but things happen and you can 100% trust that Trupanion will be right there for you.
5

out of 5

POSTED: | BY: Michael Capper

Trupanion literally saved my dogs life

Trupanion literally saved my dogs life. I received an email offering coverage through trupanion with no wait limit due to my dog being seen for her spay. Her being a hunting dog i figured this would be something I should seriously consider so I activated my 30 day free coverage. Fast forward a couple weeks and my dog became considerably ill not being able to walk,etc. We ended up at our vet who said they weren’t 100% sure but looked like our dog had tetanus and we were sent to our local animal hospital / specialist. While there the reality of how much the veterinary care of this magnitude would cost was very overwhelming. We were told that it was going to be a slow and rough road ahead but the likelihood of a full recovery was very possible. While we sat there trying to figure out how we could come up with the funds to provide her care I remembered I signed her up for the 30 day certificate but honestly didn’t expect it to do anything for us or be helpful since I had not laid out a single dollar to them. After a brief call to them they assured me that she was most definitely covered and even approved a pre authorization for her initial treatment to begin. I was in disbelief that this company stood behind there free certificate but they did and the amount of care and stay kept increasing due to the severity of her condition. After 20 days in the ICU we left with our dog and she has made a full recovery. My wife and I continued coverage and will always have them for every pet we own. We also make sure to tell everyone who has a pet about trupanion and are very grateful to them.
5

out of 5

POSTED: | BY: Susan Weinstein

Trupanion is Very easy to work with

Excellent response from Trupanion on every claim whether from me or the vet
5

out of 5

POSTED: | BY: Larry Donahue

Best customer service in the industry!

Best customer service in the industry!
5

out of 5

POSTED: | BY: CHARLES WAMPLER

Two big happy dogs....

Always fast and friendly ....

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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