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: Lynn Varty

Happy little dog!

My Maltese/Yorkie cross needs surgery to correct a problem with her knee. Trupanion was very helpful and responsive to all of the questions that I had. They helped me set up online banking so there were no delays in getting reimbursed. They are very well organized and polite. I would highly recommend this company for your pet insurance needs.
1

out of 5

POSTED: | BY: Kendra McMasters

Don't be duped!

I've had Trupanion for my dog for almost 10 years and what a mistake! For a short time I also insured my cat but the one time I filed a claim, they wouldn't pay because they claimed it was related to a previous issue even though I had my vet call to say it was different. I pulled my cat's insurance at that point but kept my dog's because insuring an older pet is harder. The biggest issue though, was recently. After 10 years with literally only 1 small claim, my dog had a rough year last year with a number of claims. Coincidentally, only a few months later, my premium TRIPLED!!! After 10 years of the same rate. They say they don't raise the rates after a claim but that is absolute bull. And they've screwed me now because my dog is older and will be difficult to insure. What a terrible company.
5

out of 5

POSTED: | BY: Shirley Gutierrez

Trupanion is a fantastic pet insurance company!

Trupanion has come through for me more than once, but this last time was undoubtedly the most important. My boy cat was diagnosed with a potentially life threatening form of pancreatitis, and his hospitalization and treatment were going to be severely expensive. I called customer service on Sunday evening, which is amazing in itself, and got a wonderful, kind rep named Michael who was unbelievably kind and patient with me while I cried on the phone with him. Then he assured me that the company could set up direct payment to my vet hospital, and that I would not need to come up with all that money up front. I can sleep at night knowing that 90% of my babie's care is covered, and that dealing with the paperwork will be easy. THIS COMPANY IS THE BEST!!
5

out of 5

POSTED: | BY: Carol

Two Thumbs Up

This is my first experience with pet insurance (I've owned two dogs previously with no insurance). I can not say enough good things about Trupanion so far!
5

out of 5

POSTED: | BY: Robin Hayden

Long time customer

I've had Trupanion my two standard poodles once they were puppies. I have always experienced excellent customer service and prompt reimbursement.

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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