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: Joanne

That have been great

Trupanion has been excellent to work with in my time of need. My dog was hit by a car and they were very understanding and sympathetic during her recovery. Totally worth every penny spent.
5

out of 5

POSTED: | BY: Beth

First time I bought pet insurance

I Was referred to Trupanion from my new vet when I took my puppy to get neutered. They said it had a 30 day free trial so I thought why not. When I can the rep was very informative that I went ahead and signed up and boy an I glad I did! Just a few weeks later my puppy started having intestinal issues, the issues lingered and had taken many vet visits and multiple tests that quickly added up to close to 1,000! Trupanion had paid what I expected per the policy and had really saved me. My sweet puppy still is having trouble so it isn't over but the reassurance that whatever comes or way he is covered and I don't have to choose between labs and tests or money. And to think I haven't made the first premium payment yet! I have recommended to everyone to consider insurance. My thought at the beginning was I can afford a small monthly payment, but I can't afford hundreds out thousands all at once. Extremely happy :)
2

out of 5

POSTED: | BY: sandra

Don't believe all the "great ratings"

Trupanion has turned out to be worse than medical insurance used to be for people. They do try on's to make everything but the most obvious pay the $100 deductible. They go out of there way trying not to pay at all by stating "pre existing conditions if your animal has not been insured from the start. Then you have to go back and forth from your doctor to them, which I'm sure they hope you will say "it's not worth it". I have three pets, two unfortunately with Trupanion that we are stuck with and one with Pet Plan, by far superior.
5

out of 5

POSTED: | BY: Mary Anne

I've always had quick results from Trupanion,

Several years ago I switched my pet insurance to Trupanion and have never regretted it. Payments for accepted illnesses or accidents are very fast, and the representatives at Trupanion are always friendly and understanding. You have many programs to choose from. Having health insurance for your pet in todays world is so important. Without it, the slightest problem with your pet can be so very expensive that many people can't afford it and the pet doesn't get the help it needs.
5

out of 5

POSTED: | BY: Paula

Best Pet Insurance!

Our male Scotty recently had his cancerous spleen removed and is currently undergoing chemo treatments. When his condition was diagnosed, Trupanion promptly pre-approved the payment for his surgery and his after-care expenses. We are grateful for their prompt and courteous treatment. We have had other insurance for our pets; however, Trupanion is by far the best!

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

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