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: Bernice Jones

Positive experience

I e-mailed in my invoices and filed my claim on line. It only took 24 hours for Trupanion to acknowledge the claim. Within 2 days they had sent an email telling me that my claim had been approved and that my cheque would be sent out . I am very happy with the whole experience of dealing with Trupanion and would highly recommend them to any other pet owner.
5

out of 5

POSTED: | BY: Nancy L McCain

Blazen's Story

I was just a puppy a little over a year old when something happened to both my back legs. Sometimes when I was playing I had sharp pains in one or the other of my legs that caused me to cry out in pain and draw my leg up. The vet said I had bilateral luxating patella, which means my knee caps slipped out of place and pinched the nerves. I was scheduled for bilateral knee surgery. But a couple of days before my scheduled surgery I was playing with mom when something really, really painful happened and I went to my kennel for several hours because it hurt so bad. The vet said I had torn my ACL and that recovery from surgery was so complex he could do only one knee at a time. So I had surgery on one knee and was on "bed rest" for 8 weeks. I could not run, jump or play. My mom had to carry me up and down stairs. No sooner than I was feeling better, I had to have surgery on my other knee! It was awful to have two surgeries and not be able to play like a puppy for 4 months!!!! I am only glad my mom had Trupanion insurance for me. They were really nice and efficient about paying for my surgical expenses. The vet emailed my records one day; the next day Trupanion processed my claim and thanked my mom for taking care of me; and on the second day Trupanion said the check was in the mail and they were happy to be part of keeping me healthy! We were reimbursed almost the entire cost of my surgery both times. My mom seriously wanted to move her own health insurance to Trupanion!!! Thank you so much, Trupanion, for keeping me healthy and happy! Love, Blazen
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2

out of 5

POSTED: | BY: Mary

unfair price hikes

It seems year after year there is no rhyme nor reason to the rate increases...this year 24%...that is so unfair, and because our pet has a "condition" now, we can't change providers because that won't be covered. And I think you know that and so you raise our rates to line your pockets...not fair at all.
5

out of 5

POSTED: | BY: Gina Scumaci

Great company and I tell everyone about the wonderful care for Hurley.

Great company and I tell everyone about the wonderful care for Hurley.
5

out of 5

POSTED: | BY: Jason Fenton

This past week has been strenuous, and it's coincided with a number of technological struggles on the Trupanion side (i.

This past week has been strenuous, and it's coincided with a number of technological struggles on the Trupanion side (i.e. claims not being received via fax or email in a timely manner, accidental email message about a policy cancellation that wasn't real, etc.), so my frustration level with the organization has been exceptionally high this past week. That said, Trupanion has consistently been an efficiently run and communicative institution for the past 4 years that I've used them, and I'd happily recommend them as the superior pet insurance choice knowing that these recent issues are the exception, not the rule.
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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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