Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 63,007

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: Tamitha Betti

Insure your fur kid young or right when you get them and you'll be thrilled with this company!

This is probably the 5th review I've written for Trupanion...and honestly I owe them about 10 more. I have 7 animals insured with Trupanion...1 cat and 6 dogs. All of my fur kids were insured at young ages w/out health problems OR right when I adopted them. I have had over $30,000 of claims paid in the last 9 years. They've covered the following conditions: IVDD back surgery ($5,800), Pancreatitis ($3,000 and ongoing rechecks), Bladder Stone w/Removal ($4000 and ongoing rechecks), Diabetes ($2,400), Hypothyroid ($800), Cushings ($2,000), Cyst Removal ($1,200), TCC Cancer ($10,000 this included all treatment), Unknown Vomiting ($850), Choking on acorn ($1000). Claims are very easy to file (I do mine through email) and payment is very fast (within 1 week). I've had to call a few times and everyone is always very nice on the phone...and they are available 24/7...unlike most companies only available 'banking hours'. The MOST IMPORTANT thing is sign up BEFORE your animal has health issues!! SO..what does this mean? While they are young OR immediately after adoption. IF you adopt an in tact animal spay or neuter immediately...this way you are covered for any future mammary or testicular issues. DO NOT wait until your fur kid is sick or has a pile of medical issues! My rates usually go up the arbitrary 20%, however, there have been a few years I did not receive a premium hike. I started out with $0 deductible, so for me, I am able to keep my rates reasonable by adjusting my deductibles. When your facing a $2500 bill that slightly higher deductible is really not a big deal in my mind. I also have the additional care riders on all the policies which is helpful if you need it and the price is very reasonable on it as well. I hope my review helps you with your decision to purchase your policy from Trupanion :)
5

out of 5

POSTED: | BY: Janet

Thanks, Trupanion

Claim process is easy and quick. I also had a few phone conversations with an agent when Cleo was diagnosed and I felt they were genuinely concerned for her well being. I like that they had empathy for what we were going through.
5

out of 5

POSTED: | BY: Madelyn Stickeler

Excellent service!

Always processes and pays claims very quickly. Excellent service!
5

out of 5

POSTED: | BY: Joseph Fischetti

Friendly

Always friendly and helpful
5

out of 5

POSTED: | BY: Denyse Chowhan

Great service

Always get great service, advice and results. You make me feel like you truly care about my little dog. Thank you for being there for us.
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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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