Trupanion | Pet Insurance Review

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: Lisa

A+, 5 Star service, highly recommend Trupanion!

Customer Service reps were knowledgeable, friendly and fabulous. Very simple and easy to file a claim. Rapid fast processing and payment of claims. I couldn't be happier with the service I received from Trupanion and recommend them to everyone I know who has pets.
5

out of 5

POSTED: | BY: Kim

Best pet insurance--Trupanion

I have a policy on all my dogs. The first dog I had on Trupanion needed an MRI within a couple of months of getting the insurance. They paid the 90% of eligible costs and it made it much easier to decide to go ahead with an MRI. Most recent was my dog who needed her gall bladder removed--very expensive. Even paying premiums for the last 2.5 years, for a $1000 deductible and my 10% of eligible costs we still come out ahead when compared to having no insurance.
5

out of 5

POSTED: | BY: Alicia

Better safe than sorry

My little dog was always a bit of a lemon, she always had something, an infection, kennel cough, or she would have an accident and turn her toenail the wrong was and nearly tear it off. So when many years ago she developed food allergies we decided to look into pet insurance because we were spending a fortune for vets and specialists. I looked up several reviews and decided upon Trupanion, and I have to admit in the beginning I was a little annoyed, we learned quickly that anything that was "pre-existing" was not covered, and that our $500 deductible was per diagnosis. So after about a year and a half, we didn't see any benefits. I was so annoyed I was tempted to cancel the insurance, boy am I glad I didn't. In the next few months, Chalupa was diagnosed with glaucoma, and the first surgery was easily over $3000 and after the $500 deductible we received 90% of costs (besides general exam fess) back. Truapanion easily paid for itself with just this one surgery. Since we met the $500 deductible years ago, any treatment for her glaucoma is covered. Chalupa has had pancreatitis and kidney disease and having the peace of mind that we can afford her treatment is invaluable. She is a member of the family, and she deserves insurance like anyone else. Trupanion has come through for us time and again, and I recommend it to everyone with pets.
5

out of 5

POSTED: | BY: Karen

Fantastic Comapny

I have had pet insurance since my dog was a year old. At age 6, she developed severe diarrhea and through an extensive workup, she was diagnosed with inflammatory bowel disease. Trupanion processed my claims very quickly and deposited into my checking account making it seamless. We have another dog who we also have insured, and thankfully, haven't need to make a claim. But knowing the experience we have had, I know it will be smooth if we should need them. Such an awesome experience for a very emotional/trying time.
5

out of 5

POSTED: | BY: Suki Beckow

Thank God for Trupanion!

The best customer service, the best coverage, easy forms and reimbursement procedure
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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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