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
1

out of 5

POSTED: | BY: Alexa Allen

The person I spoke with was patient and knowledgeable about the specific case, however I was highly disappointed in the resolution to our claim.

The person I spoke with was patient and knowledgeable about the specific case, however I was highly disappointed in the resolution to our claim. The reasons our claim (ectopic ureter) were rejected were incredibly arbitrary (drinking too much water) and both our vet and trainer wrote letters of support that this shouldn't have been considered a preexisting condition for the purposes of the policy. (We had just rescued our second dog and he had some behavioral issues that were being addressed by a trainer, including over consumption of water.) Trupanion used vet notes where we mentioned that our new pup drank more water than our old pup, and sometimes urinated in the house, as the basis for rejection. We have policies for both of our dogs (and have had the other policy for 2+ years). We have only filed claims once before, but were under the deductible so have never once benefited from having the policy. This would have been the first time that we were eligible and it seemed like we immediately were excluded for the most arbitrary reason. It left a very unsatisfied reason regarding Trupanion and we are highly considering canceling our policy, as we don't have a good feeling about future interactions with the company.
5

out of 5

POSTED: | BY: Theresa Vahalik

Peace of Mind

I have had Trupanion for several years now for three large dogs and I never had to worry about the cost of a much needed procedure or illness because I know Trupanion will be there and makes having pet insurance truly affordable especially when you have multiple pets because you decide your deductible which makes your monthly premiums affordable so every four-legged family member is covered. Two particular times that come to mind was when my dog Jada tore the ligaments in her back legs at two different times, requiring two separate TPLO surgeries. I was able to take Jada to the best Orthopedic surgeon in Texas for treatment and now Jada is back to being the athletic dog she was always meant to be. I have found Trupanion to be prompt and very caring during the most difficult of times when it came to the care of all of my dogs. I will keep this insurance and I always recommend it to friends when they ask me how I keep my dogs so healthy.
5

out of 5

POSTED: | BY: Debbie Vigliotti

Thanks to all who helped review and assign benefits quickly to get my payment to me.

Thanks to all who helped review and assign benefits quickly to get my payment to me. I am grateful. It was a pleasure working with you especially Teri Vasquez.
5

out of 5

POSTED: | BY: Donna Ciufo

I will answer this when I have a claim that isn't pre existing.

I will answer this when I have a claim that isn't pre existing.
5

out of 5

POSTED: | BY: Barbara Eckert

My question was not related to your products or services and it was just routine in nature.

My question was not related to your products or services and it was just routine in nature. It was handled very professionally.
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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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