5
out of 5
POSTED: | BY: Lisa horton
Thank you
Would and have told everyone I know about trupanion
4.8
out of 5
Number of reviews 63,005
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: Sherry Drasin
Trupanion
Trupanion is the best insurance by far. The personnel are knowledgeable about the products they offer, and are kind, compassionate and professional and truly care about the pet's and the pet parent's they serve. The prices are affordable and tailor each policy to the needs of each pet, on an individual basis. I highly recommend Trupanion to friends and family and anyone seeking pet insurance.
2
out of 5
POSTED: | BY: Maude
Delays Delays Delays
I signed up with Trupanion last November for my two senior dogs. One dog had a UTI within the 18 month prior window, so I am aware that any UTIs are considered pre-existing and will not be covered.
That same dog ended up having to be admitted as her blood work returned abnormal kidney values, suspected kidney disease or addison's disease. Upon further tests, they found a blockage in her ureter causing urine backup into her kidney, which was then causing it to fail. This required surgery as soon as possible - quoted at 10k.
Surgery was scheduled for 11a the following day, and required pre-approval from Trupanion as the vet agreed to have them pay directly to them. 12pm days of surgery rolls around and still no word. Turns out they were trying to relate her issue to the UTI, therefore not covering it.
After multiple phone calls, my vet was able to push the request through and they approved. Surgery costs were to be paid directly to vet and any cost other than surgery (her stay of 5 days) I had to pay out of pocket and that would be paid to me. This was almost 3 weeks ago. They have not paid my vet and they have not paid me for my portion (6k). When I call to ask for an update, I get the same answer, that they are waiting on urine analysis results from my vet at the time of admitting. AGAIN trying to tie this to a UTI that was non-existent. I've spoken to three vets and all of them are dumbfounded as to how this is even a question with them.
5
out of 5
POSTED: | BY: Brenda Haggai
If you have a heavy chewer, GET IT!
We have two Boxers. They LIVE to chew and they chew HARD. The male, Malcolm, also likes to swallow the evidence. He has since he was a puppy. I had to hide every toy in the house for the first 5 years and get them out only when I had time to sit in the floor and play with them. He needed watching 24/7. He could not be trusted not to eat his toys. Even got the top off a black kong toy-- the hardest one! He has had to undergo I think, 5 intestinal surgeries in his lifetime to get the toys out. He nearly died once and has lost 8 inches in his intestine. The female, McKenzie, recently went through a very scary bout with Trigeminal Neuralgia and had to be put on a feeding tube, had a reaction to that and it took a long time to recover. Trupanion was there for us every step of the way. I have always counted on them and they have never argued or balked at any request. I highly recommend them to any pet owner. You never know what issues a new puppy might have.
5
out of 5
POSTED: | BY: P. McKim
Professional, honest, and caring company
My doggo was diagnosed with diabetes. Everything about it was stressful except for getting info from Trupanion. My deductible for her diabetes was almost met in one visit and soon Trupanion will start paying 90% of the expenses for her treatment for the rest of her life. I'm so relieved. When my other dog died, I called them and the receptionist was the sweetest, kindest person ever. Everyone there seems to actually care about their clients. It's not a tooth and nail fight to get what you paid for, unlike my human health insurer!
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