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: Mary

Great investment

My 3 year old lab tore her knee ligament and needed a very expensive surgery. If it weren't for her insurance we would of had to put her down. The claim was settled quickly and the people I talked to were efficient. Wish my health insurance was this good !
5

out of 5

POSTED: | BY: Jenna

Exceptional

You get what you pay for. Unquestionable coverage that helped to save the life of my little princess. I couldn't have done it without the support of Trupanion. Thank you!
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1

out of 5

POSTED: | BY: Julie

Unless you get your pet as a puppy...run!

I adopted a 3 year old dog who had previously been attacked by another dog. Suffice it to say, he has a nervous disposition. For the first few months we had him, he had chronic loose stools and diarrhea two times as we tried to get him on a food that would be appropriate for him and get him used to our family. Fast forward a year later when one night my dog started having severe diarrhea and vomiting to the point where he had blood in his feces and was vomiting blood. We rushed him to the emergency vet where they gave him fluids, anti-nausea medication and an antibiotic. We had to rush him back the next day where they performed an ultrasound to make sure he had no blockages as he wasn't getting better. It took almost a week but he recovered and cost us $1000.00. No sane person would say the two episodes, almost a year apart, were related but Trupanion did. They denied our claim saying his diarrhea and vomiting was a 'pre-existing condition'. Seriously? Just about anything could be a preexisting condition then, save getting hit by a car, breaking a bone or the like. A total waste of money.
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5

out of 5

POSTED: | BY: Andrew Muray

Maya is acting like she is 6 when she is 16!

Our little Chihuahua Maya was diagnosed with tooth root resorption syndrome --although her teeth looked normal and she had 2 dental cleanings a year, her immune system was attacking her tooth roots and causing her pain which she hid from us and she had an unusual snuffling problem (reverse sneezing). Thanks to Mercer Island Veterinary Clinic and the fabulous Dr. Crocker this was finally diagnosed with dental X-rays. After two surgeries and 22 teeth removed, Maya is acting like a puppy. Mercer Island also has Trupanion's software which allowed them to submit the claim for us and Trupanion paid them directly, so we only had to come up with our copay and deductible --it was over $9,000 total cost, so it was a big relief to only pay a couple of hundred out of pocket. Thanks Trupanion!
5

out of 5

POSTED: | BY: Anne

The Best Pet Insurance I've owned.

I have to say I have been nothing but impressed by Trupanion. They are quick, responsive, answer any questions and pay claims with no hassle. I've owned 9 dogs over my years and all had insurance. Trupanion is the best insurance I've ever had. My Spinone pup has had ongoing Colitus and Trupanion has stood with us the whole time. Thank You Trupanion.
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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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