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: Leah Mills

Trupanion is the absolute best there is!

Trupanion has always been there for me when my pet is having a medical issue. I feel comforted knowing that whatever comes along they will be with me to help with his medical bills. Owning a pet is a responsibility that comes with many joys but there are illnesses along the way, it is nice to not have to face them alone. The representatives that answer the phones are amazing. Every single person I have spoken with has been fantastic, kind, professional, caring and sensitive. I can't imagine how they find these tremendous people. All I know is that i feel blessed to have them alongside me on my pets medical journey. :)
5

out of 5

POSTED: | BY: Cathy McInturff

A Must Have!

We are so grateful our Veterinarian recommended Trupanion insurance for our Roxie when she was younger, and we have the security, and well-being knowing her medical needs will be covered. We have been so happy with the coverage, and customer service, and highly recommend for all pet owners.
5

out of 5

POSTED: | BY: Michael P.

The best insurance company for my babies, only the best for them!

When i needed to make a claim, Trupanion was right there, no excuses. Just a lot of caring to answer my questions and resolve my issue. Everything is always explained to me and the employees at Trupanion want to help you. My 3 yorkies are everything to me, I want a insurance company that is there for me in the event of any illness or emergency.
5

out of 5

POSTED: | BY: Jane Oberlander

Love Trupanion!

Wonderful company! My claims are processed immediately and I am reimbursed as fast. The customer service people are always friendly and patient on the phone, are knowledgeable and able to take action to help or clarify. Even the "on hold" phone message is friendly! I have never had a dispute, but have had questions more than once and have always gotten the help I needed, (once at 1:30 am which let me sleep the rest of the night.) I was able to make a decision for my dog's medical care without worrying about the cost, which was substantial and would have to have been a consideration without Trupanion. I hold everyone I have talked with and the company in high esteem!
5

out of 5

POSTED: | BY: Rita Silvestri

More coverage please!

We have two labs, giant yellow and black. We appreciate your coverage, but wish it covered more. We keep our animals in great shape. Could you please cover standard shots, etc., so we will not need major costs? If a dog is cared for properly major treatments would not be necessary. Same with people. We could use a little more cost assistance. I do tell my friends about you but when they hear about your coverage, they are turned off. Sorry.

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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