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: Wesley Bara

Affordable protection for a valuable family member

New active boxer puppy suddenly became ill, listless, vomiting, shaking. Rushed to MSU Veterinary Teaching Hospital, diagnosed within an hour, aggresssive treatment in ICU for several days, kidney failure and liver damage, near death. Leptospirosis suspected and confirmed. Puppy given best possible chance for survival. Cured with no residual damage to any system. Now supercharged with energy and affection. Vet inquired about pet insurance, bill was several thousand dollars. I replied we had a Trupanion policy..Vet relieved...said "they're excellent". He filled out our claim and submitted to Trupanion. Paid without question. We were /are thrilled...!!!
5

out of 5

POSTED: | BY: Pam

Trupanion has been good so far

I like the fact that they cover 90% of costs once you meet your deductible. I do have a high deductible as I really want insurance for those times when something is seriously wrong. It is good for times when you are diagnosing the problem as tests can add up very quickly.
5

out of 5

POSTED: | BY: Lynn Ehrenberger

Best Investment I have made for my Furry Kids!

I rescued a chihuahua(Rocky)in 2013. I bought coverage for him as soon as I could. He has had multiple small things happen in the past 2 years but developed "collapsing" episodes earlier this year. It has been an expensive work up between a neurologist (seizures?) vs cardiologist (syncope?). Rocky was rushed to the animal ER over Memorial Day weekend. He had stopped breathing and had a heart rate of 10 beats per minute. They were able to revive him and the work up showed he had severe pulmonary hypertension. Trupanion has been great! The Vets are happy to submit the claim. Trupanion keeps in touch with me by e-mail so I know they have received the claim. They have never questioned a claim and they do cover 90% (after deductible)of the actual charge, not what they think a reasonable charge should have been (like human insurance). I can't imagine how we could have saved Rocky if we didn't have insurance. I never want to say I couldn't save my dog because I couldn't afford to. I rescued a puppy in February and the first thing I did was get Trupanion for him. I hope I pay those premiums for years to come and never need the insurance but it is good to know that Trupanion has my furry kids (and my) back.
5

out of 5

POSTED: | BY: Donna Moore

Peace of mind He covered

My vet recommend to have him cover because he was going to be a big dog so I try Ttupanion. Has my luck would have it he was playing and just felt on his back leg and broke it . l was surprised how fast Trupanion had taken care of the bill it was over 2000.00 dollars to this day he some times need pills or X-ray and Trupanion make sure he has no problems with the leg. He my 145lb baby boy Pazar. Donna Moore
5

out of 5

POSTED: | BY: Allan

Very relieved.

Was pleased to find out that my Vet accepted the payment terms with Trupanion. Saving a large out of pocket expense.

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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