Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 63,001

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: Deborah Silva

Love this pet insurance

I have always been very happy with this insurance company. I had VIP Pet insurance years ago and they can't even come close. Trupanion has given me the option of being able to keep my pets alive instead of having to put them down because I can't afford treatment.
5

out of 5

POSTED: | BY: Isadora

Trupanion helped saving my dog's life

I have a 7 year old Chihuahua mix named Nikita and I have been with Trupanion for a few years now and they have been great helping out with a couple illnesses here and there. I thought it was great to have it as we never know what can happen, but considering how healthy Nikita always has been, it never crossed my mind that anything serious could ever happen to her. About a month ago, Nikita started breathing faster than usual and lost her appetite so I brought her to my local vet where they sampled her blood, took some xrays but nothing was really showing up besides that she had a fever and maybe fighting a little bug. The following days she still wasn't feeling great so I brought her in again, 4 days in a row but still not really any reason why she was not feeling good. The 5th day her breathing got extremely fast, over 100 breaths per minute so I took her into the emergency room where she was put into an oxygen chamber immediately. She got better with the oxygen the first day, and they ran a bunch of test, put her on antibiotics but still no explanation. The second day her breathing went back up and the third day she was breathing so fast they told me she probably was not going to make it through the night and that we had 2 options: put her down or put her on a ventilator, which is an expensive option where only 20% of the dogs that go on it survive. I called Trupanion and asked if they would pre approve the claim and pay the hospital directly, within an hour I got approval and was able to proceed on putting Nikita on the ventilator. I was so impressed and also relieved to know that the financial part was covered and I could just focus on Nikita rather than stressing about the money aspect. A couple days later Nikita was able to get off the ventilator and the next day she was back home with us, finished her antibiotics and her lungs were clear, her breathing normal and slowly started getting back to herself. Now she is back 100%, my best friend got to live and she is enjoying life to the fullest. I cannot thank trupanion enough for the support they provided me throughout the whole process. I would recommend to anyone that care about their animal to get pet insurance with them, their coverage is the best and you never know when you might find yourself in a situation where you have to chose to save your pet's life or not and the money part should not be what decides if he or she gets to live or not. Again thank you so much trupanion, me and my fiance are so glad to have Nikita with us!!
5

out of 5

POSTED: | BY: Erin

Fantastic Pet Insurance Company

We signed up in 2013 and have been completely satisfied with their service on all aspects! From customer service to our dog surgery claims. I would and have suggested this company to many of my furry friend's owners. Best money spent for our now 3-year-old English Bulldog Bubbles! Thank you trupanion for caring!
5

out of 5

POSTED: | BY: Isadora

They saved my dog's life!

I have a 7 year old Chihuahua mix named Nikita and I have been with Trupanion for a few years now and they have been great helping out with a couple illnesses here and there. I thought it was great to have it as we never know what can happen, but considering how healthy Nikita always has been, it never crossed my mind that anything serious could ever happen to her. About a month ago, Nikita started breathing faster than usual and lost her appetite so I brought her to my local vet where they sampled her blood, took some xrays but nothing was really showing up besides that she had a fever and maybe fighting a little bug. The following days she still wasn't feeling great so I brought her in again, 4 days in a row but still not really any reason why she was not feeling good. The 5th day her breathing got extremely fast, over 100 breaths per minute so I took her into the emergency room where she was put into an oxygen chamber immediately. She got better with the oxygen the first day, and they ran a bunch of test, put her on antibiotics but still no explanation. The second day her breathing went back up and the third day she was breathing so fast they told me she probably was not going to make it through the night and that we had 2 options: put her down or put her on a ventilator, which is an expensive option where only 20% of the dogs that go on it survive. I called Trupanion and asked if they would pre approve the claim and pay the hospital directly, within an hour I got approval and was able to proceed on putting Nikita on the ventilator knowing that they would cover 90% of the costs, wow. I was so impressed and also relieved to know that the financial part was covered and I could just focus on Nikita rather than stressing about the money aspect. A couple days later Nikita was able to get off the ventilator and the next day she was back home with us, finished her antibiotics and her lungs were clear, her breathing normal and slowly started getting back to herself. Now she is back 100%, my best friend got to live and she is enjoying life to the fullest. I cannot thank trupanion enough for the support they provided me throughout the whole process. I would recommend to anyone that care about their animal to get pet insurance with them, their coverage is the best and you never know when you might find yourself in a situation where you have to chose to save your pet's life or not and the money part should not be what decides if he or she gets to live or not. Again
5

out of 5

POSTED: | BY: Aaron

Get Trupanion! Awesome insurance for your pet!

Trupanion covers all my dogs. Two of them have had surgeries of over $7,000 covered at 90% after my deductible by Trupanion! Trupanion also paid my vet directly over $6000 on each claim and I was only responsible for my 10% and deductible when I left the vet! By having the coverage I was able to do the surgeries my vet recommended without making decisions based on funds in my bank account. Trupanion doesn't cover exam fees, doesn't cover shots, but that's not what I have insurance for, any illness or injury and Trupanion has our Tails covered!

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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