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: Nic A

Beware taxes not covered

Trupanion reviewed our claim quickly, but they denied taxes. Taxes are a cost to us. We pay taxes on our premiums, and people health insurance includes coverage on taxes. When we signed up in 2010, taxes were not excluded. Somewhere in between 2010 & 2016, taxes were excluded. That reduces our payout from 90% to 76%. After a $1000 deductible. Suddenly the plan is much less worth it. And I just checked all my emails about policy changes. They included this benefit and that increased coverage, but NOWHERE did the emails say "oh and we now deny taxes". The first I see taxes excluded is a policy in 2014. But I didn't get copies of the policy between 2010 and 2014 so maybe it was earlier. Not impressed with this.
5

out of 5

POSTED: | BY: Julianna Grecoe

A trip down the stairs

My four month old puppy in his exuberance fell down the stairs and fractured his femur. Never expected something like this would ever happen and felt terrible.
5

out of 5

POSTED: | BY: Kate Gregory

Trupanion has covered every claim for our dogs

Thanks to Trupanion, we have been able to provide the necessary care for our dogs, including two major surgeries for IBD, cancer, emergency stays, MRI's for spinal disease, medications, dental work, skin disorders, infections, and the rider for additional care has extended our dog's life. She does physical therapy and acupuncture twice a week. Trupanion covers her care. Without it, she would no longer be with us. We have had every single claim ever submitted covered by Trupanion. We will always be Trupanion supporters and will continue to use and recommend them to anyone wanting insurance for their pet(s).
1

out of 5

POSTED: | BY: Traci Laursen

Very dissatisfied with coverage

I am a veterinary technician as well as the owner of a dog training facility in New Mexico. I have recommended Trupanion to clients on countless occasions. I have 2 dogs of my own who have had insurance through Trupanion since I have owned them. One has had coverage since she was about 10 weeks old and she is now 5 years old. The other dog was rescued from a shelter 10 months ago and she is now about 18 months old now. Thankfully, I have never had a claim. On my recommendation, my mother (who is elderly) recently obtained coverage for her dog as well. Unfortunately my mom's dog was slipped while running an agility course and began limping. The dog had been insured for about 3 weeks at the time of the injury. Trupanion has refused to cover the injury, calling it an illness instead. They stated that the dog must have been unhealthy and thus was predisposed to a lameness because a healthy dog would not have come up lame. I feel like they used an unlikely loophole to avoid paying on his injury. I have never heard of a lameness from an acute injury being regarded as an illness, and I don believe a "healthy" dog couldn't develop a lameness after a fall.
5

out of 5

POSTED: | BY: Sandrea Kornblum

What a Relief!

I have had Trupanion for a few years on a rescue dog that I adopted. Not long ago, my dog bloated and torsioned (GDV). When the vet asked me if he could do x-rays and then surgery, I told him my dog had insurance and do whatever he needed to do. It was a huge relief to be able to put money issues aside and get my dog the emergency care he needed. This was my first claim for my dog, so it took awhile to get the vet paperwork in, and then the vet had to amend a note, but once this was done, payment was almost immediate.
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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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