Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,765

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: Rick

Great to have when you need it!

Trupanion pays their claims without hassle. As a medical provider it is nice to deal with an insurance company that pays claims correctly and without having to constantly resubmit. Does pet insurance save you money? Probably not unless your pet has catastrophic health issues. I have been paying for years and nearly cancelled, but kept it going. My dog Maggie developed some tumors, one of which was a malignant mast cell tumor. After the deductible we received reimbursement of 90% of all the expenses within two weeks. It even reimbursed 90% of medication costs. The real value of having the insurance is you don't have to decide between your pet's health (and/or life) and your finances when your pet needs a lot of medical care. Things to understand: The policy does not cover for the cost of the initial visit to diagnose the problem. It also has a deductible (you choose the amount which in part determines the monthly rate) which is per condition. Mine is $50.00. So your first visit for a condition will likely not reimburse a lot if anything, but after the initial diagnosis and deductible, that condition is reimbursed at 90% for the life of the pet. At least that's how my plan works. Their may be other programs that work differently, I just don't know
5

out of 5

POSTED: | BY: Angel's

Blessings

My dogs sickness was at first a near fatal situation. I wanted to do everything I could to save her. Triuanion gave me peace of mind to do whatever possible to save Angel. We are six weeks into her treatments and recovery and she is slowly begining to show signs of the furry ball of energy we are use to. I believed from the start that God would spare Angel. She will be four November 11 and serves as a therapy dog for my dear elderly friend who is 5 years post stroke and 89 years old. The people at Trupanion are caring and professional. Trupanion is a lifesaver and a blessing. Gratefully, Alabama Joe
5

out of 5

POSTED: | BY: George

Thank you Trupanion durung these hard times!

We've had Trupanion since we got our dog, Ferris, when he was 1.5 y/o. He was born with idiopathic megaesophagus and requires feeding via a g-tube becuase his esophagus doesn't work. Unfortunately this was considered a pre-existing condition and not covered; thus we've encountered much expenses. Alas this is not a burden but an honor to do for our baby. All was well till recently when he was diagnosed with lymphoma. I was scared because there is no real cure and also because of the costs. I didn't think Trupanion would cover anything and was about to cancel it. But the Lord takes care of his children. Trupanion covered the sick visits, work up, specialist, hospital stay, medicines and all chemo and immunotherapy treatments! Thank you Trupanion for helping during these difficult times and letting us concentrate on our baby instead of expenses. The hospital told us they see numerous pet parents that cancel their insurances rght before horrible/expensive diagnoses and then it's too late; parents don't think they'll ever need it or that Trupanion will cover things. We're now recommending to everyone to get Trupanion as soon as possible (preferably at young ages) and never to cancel. Our family and Ferris thank you Trupanion!
5

out of 5

POSTED: | BY: Gloria

trupanion was there when we needed them

We had only been with Trupanion two months when our puppy required an overnight stay in the Calgary north hospital. Tests were run and Iintravenous was administered. Trupanion came through as promised.
5

out of 5

POSTED: | BY: Ellen

Awesome company

Claim was handled at our vets office! No paper work to submit! It was quick and easy! Thank you Trupanion.
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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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