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: Debbie

YOU ARE AMAZING

If not for Trupanion, my dog - the love of my life - would be dead. There is no way I could've afforded to let the specialists run the tests to find out what was wrong with her. Trupanion has been amazing - so compassionate and supportive. THANK YOU
5

out of 5

POSTED: | BY: Lindsay

Trupanion saved Tuppence

Thank you thank you thank you for saving Tuppence's life. She was able to get the right care and treatment to overcome a tramatic and unexpected episode which resulted in ulcers in her esophagus and pneumonia. I am forever thankful to Trupanion. Every call I made to Trupanion was handled excellently and the process for submitting claims and the transperancy provided while those claims were processed were excellent. You are a great company with an amazing staff
5

out of 5

POSTED: | BY: Catherine MacCallum

King Sherman

Our Sherman, cat, would not be with us if it wasn't for Trupanion. He was blocked by a kidney stone in his right kidney for quite some time and needed emergency surgery to have it removed. The best surgeon for this procedure in the U.S. is luckily only an hour from our house. But even with that great advantage of being so close, it didn't mean we'd have the money out of pocket to cover this surgery. With a very up and down case, as most kidney patients are, we went into surgery hoping for the best. He survived the surgery and is working on getting back to a new normal. If it wasn't for the help of Trupanion covering 90% of his surgery and stay at NC State, we would have no other choice to have turned the other way. I am eternally grateful for this insurance company and what it has offered to both the veterinarians on his case as well as piece of mind for me and my husband, knowing we're giving him the best chance! THANK YOU!
5

out of 5

POSTED: | BY: Amanda

A literal life saver

While yes Trupanion does not cover preexisting conditions and that has been disappointing with our frenchie Shilo's chronic dermatitis, having insurance allowed us to follow proper radiation treatment when Shilo was diagnosed with a brain tumor last year. They literally saved her life! We would not have been able to do the treatment otherwise, and Trupanion continues to cover her meds and additional treatment for this condition. They are so great that my dad and sisters also got Trupanion for their pets, and I will continue recommending them to everyone! When it came down to a life or death situation with our dog, Trupanion really came through for us.
5

out of 5

POSTED: | BY: Anabelle

so glad I have trupanion

I have been with trupanion for almost 8 years now and I have always been impressed with how easy it is to file a claim and how efficient the claim process is. I am kept informed via email every step of the way during the claim process and the claim is processed in a very timely better. I would highly recommend them to anyone who has a pet especially a purebred.

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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