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: JP

ALWAYS there when I need them

When I rescued Daven from the SPCA he came with 3 months of Trupanion and I continued with it. I knew I was paying monthly for serious problems that could arise. I have also insured my other 2 pets with Trupanion. When Daven developed B cell lymphoma at age 10 Trupanion was there. Daven is now in remission. Trupanion has been nothing but supportive.
5

out of 5

POSTED: | BY: Susan Roan

So Glad I Insured My 3 Shelter Cats

One of my cats has a condition that was hard to diagnose (saw four different vets). I estimate in six months I have spent five to six thousand dollars. Fortunately the diagnostic testing, meds, surgeries, etc. were all covered at 90%. People laughed at me for insuring my shelter cats, but I have had to make no decisions based on cost. One thing to be aware of, though, is that the veterinary base fee (usually in my case fifty or sixty dollars) is not covered. I'm sure that was in the material provided somewhere, but I did miss it. What is amazing in this day and age is the prompt, courteous and efficient customer service provided by the phone reps. Also, my claim was usually deposited into my bank account within days.
5

out of 5

POSTED: | BY: Michele Gilbreath

I wouldn't be without it!

This company gets an A+! They were so kind and compassionate while I was going through my pets illness. My experience was wonderful and the process was painless. I always recommend Trupanion to my friends with pets.
5

out of 5

POSTED: | BY: Doris Monson

Great Insurance

We got the insurance for our Shima in 2014 when she was 4 months old. When it was time to have her spayed the vets office ran the blood work and discovered she had liver issues. We had to have an ultrasound and all this was paid for. There have been other bills and they have also been paid promptly. I have recommended the insurance to a number of people. We had another insurance with our other dogs, but this is much better in coverage and dealing with them. Thank you for caring so much about our 4 legged children.
5

out of 5

POSTED: | BY: Sharon

So happy we have Trupanion!

Both of my 11 year old chihuahuas have been insured with trupanion since the age of seven. Unfortunately, one of my chihuahuas was diagnosed with congenital heart failure. However, due to our decision to insure them both with pet insurance, we Felt very blessed to have Financial assistance to cover 90% of Clydes medical costs. I always tell my husband I don't know what we would have done if we didn't have Trupanion. Clyde's medical bills have been at least $10,000. We have been very fortunate, and are so happy we made the decision to insure them. Because of this decision, Clyde has had the best medical care and continues to do very well on medication management.
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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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