Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 63,001

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: Nigel Smith

Pre-approval

Carmen the rep i spoke with did her best to find status of a 10+ day old claim -- but also help move forward pre-approval for surgery. Was very pleased with her effort and ability to provide me a timelime for when we'd hear back from Trupanion.
5

out of 5

POSTED: | BY: Mary Ellen

Very good insurance for my kitty.

Both of Smokie’s claims were promised very fast. Thank you so - so much trupanion!
5

out of 5

POSTED: | BY: Christina Van

I will have Trupanion as my pet's medical insurance for the rest of his life, and for all future pets I may own.

This company has been outstanding to me and my dog. I've never had pet insurance until my vet took one look at my dog during the new puppy wellness exam and said, "You have a very healthy, happy puppy. Congratulations. Now here's a brochure for a pet medical insurance company our clinic has had good experiences with." The vet handed me a brochure for Trupanion. I argued for a moment, "But why do I need medical insurance? My puppy is an Olde English Bulldogge... a crossbreed bulldog. They are much healthier than the traditional English bulldogs." My vet shook his head and replied, "Mixed breed or not, every new owner should highly consider medical insurance for their pets. Even for healthy new pups like yours." I begrudgingly took the Trupanion brochure, went home and began researching other pet medical insurance companies to make a well-informed choice. Trupanion consistently ranked in the top tier in my research. So I signed my puppy up. Less than a year later, that same pup fractured his elbow and required surgery from a specialist, and months of rehabilitation. I am forever grateful to that vet of mine, and Trupanion, because I would never have been able to afford such a shock to my finances. Unexpected pet medical emergencies happen, and I am financially prepared for the rare occurrence, but not for what turned out to be many months of rehabilitation because the surgery site would not heal properly and anti-inflammatory medications began causing serious GI upset. Trupanion had offered me a rider to my policy that I'm thankful I took. Because of it, I was able to afford to seek out Homeopathic pain management from another licensed vet, and different types of rehab that quickly gave my pup pain relief and swelling reduction. He is now 100% sound on that elbow. I would not have had the financial resources to continue trying to find alternative therapies that worked with great success for my dog without the aid of Trupanion insurance.
5

out of 5

POSTED: | BY: Robin Cobb

My Joey is receiving the very best care because I have Trupanion coverage.

My experience with Trupanion has been smooth, quick and compassionate. I was able to take Joey to the ER and then the neurologist for an MRI, and tomorrow will be surgery on his cervical vertebrae due to a blown disc. Every step of the way, Trupanion’s customer care department was able to provide pre-approval and set up vet direct pay within minutes, which allowed our family to make the decisions that are best for Joey and allow the veterinarians to provide all the treatment necessary. Looking forward to a full recovery!
5

out of 5

POSTED: | BY: Wendy Workman

You are the best and a real life saver

I have 3 dogs and we have you several years. You have literally been a lifesaver for me and my dogs. We were referred by my vet after we spent a large amount dealing with my dog that had cancer. I would do anything for my dogs . I have lost a son in the last five years and also one of my dogs. I am just grateful that I can do whatever it needs to keep them with us as long as possible and in good health
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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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