Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 62,998

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: Jennifer

They do what they promise to do, quickly and have impeccable customer service!

I LOVE Trupanion. I've had other pet insurance companies before but Trupanion is leaps and bounds above all the others. Their policy is easy to understand, no hidden catches, and has the best coverage. Their customer service reps are kind, helpful and knowledgeable! A rarity these days. I've had several dogs with expensive complicated medical issues requiring treatment by several providers and Trupanion does what they say...they have paid 90% of my out of pocket costs, and QUICKLY! I had a check from Trupanion for my dog's surgery a week after I brought her home. I have recommended them to my family and friends, something I NEVER do! I have such peace of mind knowing they are behind me if my pets have an accident or get sick.
5

out of 5

POSTED: | BY: Jacqueline

Great!

Quick reimbursement and caring customer service. I'm very happy with this company.
5

out of 5

POSTED: | BY: Shara

Fantastic! I recommend this company to everyone.

Fast service, great communication, easy to use online claim forms. This is the best investment I ever made for my pet. I can give my pet the care he deserves and don't have to worry about giant bills. I will always use Trupanion.
2

out of 5

POSTED: | BY: Nancy

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I've had Trupanion Insurance for two of my pets and never submitted a claim. My seven year old Golden needs surgery to remove his anal sacks...a problem he has had since he was a puppy. The claim was denied as a pre-existing condition. My dog has never released his glands and the condition now warrants attention. I've chosen to leave this company as their evaluation basically doesn't make sense...How can an issue from birth be "pre existing"? This seems like a loophole and a bit too convenient for the Company. And, the woman with whom I last spoke was pushy and rude. I'm going to Pet's Best Insurance Company.
2

out of 5

POSTED: | BY: Theodore

Good customer service. Still an insurance company

Not happy with Trupanion. Been with then for over 5 years and have never needed them... Until now, my basset hound developed a skin allergy and he needs to be put on medication. We were initially denied the claim due to when he was 8 weeks old he had an ear infection. We appealed the claim with the vet submitting the appeal stating to them that they ear infection from 5 years ago has no correlation between the two. Trupanion came back with a denial once again stating that the claim is still denied due to an ear infection from 5 years ago. So beware that in the end they are just an insuarnce company and the last thing that they want is to spend money out of their own pocket. Even if you've been a loyal customer for years. I am happy that the previous reviews that their pets were helped. Also when phoning the company their people are kind and nice to deal with. But unfortunately you cannot speak to the people that review your appeal.

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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