Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 62,992

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: Sandy robertson

My sweet dog wouldn't be here without Trupanion.

Following the advise of our vet, we signed up for Trupanion the day we rescued our German shepherd puppy Elvis. Shortly after, he was diagnosed with hip dysplasia . Due to our great coverage, we were able to offer him with the state of the art injections for hip dysplasia, which greatly improved his pain. About a year later, Elvis was diagnosed with epilepsy, which has become refractory to many medications and very difficult to control. Just his work up for his cluster seizures was thousands. Now his seizures are well controlled, but only with 4 daily epilepsy medications that cost over $300 per month. I thank Trupanion every month for taking the stress of financial strain out of the decision making for us while trying to give Elvis the best quality of life possible. I simply email them my monthly receipts and within 5 days I am reimbursed directly into my checking account. I will never have another dog in my family without Trupanion!
5

out of 5

POSTED: | BY: Vincent

Claim Experience

I was not really lucky as a dog owner, once I start the insurance for my puppy. He got a broken leg, and around a year later he's got problem with his penis. I should say thank you for my vet introduced Trupanion for me, both claims were fast and every time I called them they're so helpful. Trupanion hotline was so fast, I can say within 2 mins there will be a rep pick up the line and no matter what time is it.
5

out of 5

POSTED: | BY: Shannon

Love this company!!!

This company is fantastic. My vet has an app so all the bills are sent directly to the company so I don't have to scan and send them. Could not be easier!
5

out of 5

POSTED: | BY: Kathy

Simple quick payment!

My beautiful healthy lab mix developed terminal cancer at 9. There is no hope for a cure, but Veterinary Chemotherapy has extended her life for 3 1/2 years and counting with a VERY high quality of life. (She keeps up with my 3 yr old border collie!) Trupanion has never hesitated to cover treatment, the claims can come fast and furious, the submission has been simplified to submitting a few words on a claim form and a bill. The past few bills have been high, due to a new chemo, as she slipped out of remission. No hesitation on payment, no questioning the unusually high bills. They are paid quickly which is very important when treatment can be weekly and nearing $1,000 each. We could not dream of paying these bills without Trupanion.
5

out of 5

POSTED: | BY: Cassie &

Trupanion is Reliable, Prompt and Great People!

We have had Trupanion for just over 6 years. Signing up was the best decision we have made. The staff treats us like family and they are very clear about what is covered and what is not. We love them!

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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