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: Stephen Tanenbaum

Our Max cat thanks you!

Max is now 14yo and retired from his former youtube fame. In youtube search window type: worldromer worlds best cat exercise video ... Enjoy. Max was not eating + some other symptoms. Diagnosis was lymphoma. Instead of dreaded news the Sage center oncologist prescribed a regimen of steroid + chemo pills w/98% no side effects. Max is doing great, gaining weight and with no overt symptomology. Docs say he can be with us for years to come. Bills over $2,000 and Trupanion came through for us.
5

out of 5

POSTED: | BY: Jennifer Bosch

Thank Goodness for Trupanion

We had a wonderful chocolate lab Maia who needed surgery for a tumor which turned out to be benign but was very costly and we had no insurance Towards the end of her life she would get diabetes which was another costly health issue. When we got our new Jack Russel puppy Rex we made sure to get Trupanion insurance just in case. We have use it a few times for minor issues over the years, but vet bills can be costly so having Trupanion has been great. Most recently, Rex is 6 years and gets into mischief. He got into some granola with raisins which can be toxic for dogs, so emergency and followup ran up to over $400. Then 5 months later he would get into a veggie mix with onions, another food toxic to dogs and another ER visit. We are happy to say Rex is healthy. Having Trupanion is a blessing. We have no deductible and they pay 90% of covered charges in a quick manner. Thank you Trupanion!
5

out of 5

POSTED: | BY: Scott Ballard

Bait and switch?

I must state at the beginning that Trupanion has been good with the ease of claim filing and claim responses. But one of the reasons I selected Trupanion was because they spouted that premium rates wouldn't go up due to your pet's age or type of illness. Of course the premiums did go up due to "higher costs from vets", "upgrading the policy" and/or pick a convenient excuse. My premium has more than doubled since its inception. Now my only recourse is to cancel and find another insurance company or play the up-your-deductible, lower-your-premium game. Very disappointed. It's a shame the CEO's, CFO's, etc. are ruining an otherwise good company just to line their pockets.
5

out of 5

POSTED: | BY: Barbara

Trupanion for Pet Insurance

I have been more than thrilled with the coverage and service from Trupanion. They approve claims within minutes of my vet submitting the claim for approval, they promptly email me notification of the approval, and they have paid out every claim promptly. I am so glad I chose this plan over all others
5

out of 5

POSTED: | BY: Jeanne

Trupanion was a lifesaver!

I can't imagine owning a pet and not having pet insurance and the only one I will have is Trupanion. Out of the blue, Happy, my miniature dachshund, needed back surgery and was hospitalized for 10 days. The bill exceeded $10,000.00. Two days after Happy got out of the hospital I received an email from Trupanion saying they would pay $7,545.00 and I received the check four days after that! Thank you Trupanion.

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

Get a quote today

Leave a review