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: Lisa B.

Great Plans, Excellent Coverage/Claim Processing

I had used a previous pet insurance but found things weren't covered I thought would have been. We have now been with Trupaion for 7 years and they are amazing. I love being able to choose my deductible and the turn around on claims is fantastic, within a week. The staff has great customer service as well. My family also uses them and had a heafty claim only 3 months after signing up and everything was covered!! The only complaint I have is their fee's have gone up every year since Ive had coverage with Trupanion, not much, but every year.
1

out of 5

POSTED: | BY: Carole Rattigan

Don't bother with Trupanion

After waiting a very long time and several phone calls, we were told no payment would be provided for this claim. Because they call it a "new" problem, the deductible applied and then they simply don't cover the remainder... For one reason or another. We are new and very unhappy so far. Why bother if they have an excuse for everything? Not sure we will continue.
5

out of 5

POSTED: | BY: Thalia Swinyer

What a fabulous experience

Our vet recommended Trupanion to us at our first clinic visit when our labradoodle was just 8 weeks old. At 8 months old we found he was a true "Rock Hound" and has been gobbling up stones at the day-play-center which required surgery. Within three weeks of surgery a check was in hand with no questions asked. Without surgery, our big guy would have surely died. What a great company!
5

out of 5

POSTED: | BY: Cranky247

Certainly Cannot Complain!

Trupanion is my only experience with pet insurance. We haven't had to call on the insurance too often (partly, I think because my Vet doesn't always remember to submit claims which is ultimately my fault for not following up - I tend to make an issue of it only if my bill is significant, which I know is silly of me). In any case, the very few claims we've ever had for our two Boys have been processed quickly and in accordance with the terms of the policies as I understand them. No problems at all and certainly, nothing to complain about!
5

out of 5

POSTED: | BY: C Webb

Life saver for large procerdure

Our lab is almost 8 yrs and blew is Left CCL (knee). VOSM (Veterinary Ortho Sports Medicine in MD) operated and they are the best at this and other injuries. Trupanion was fast and easy to submit claims and receive emails re: claim and a fast check.It has been worth investing in this coverage. My only complaint is since we bought the insurance when our dog was a puppy, they have added a rider for the physical therapy etc and this would have been nice to know about in past before our dog had an injury. That part I ma frustrated with as I feel that a certain number of rehab sessions should be included in the injury/ claim for certain surgeries.
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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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