Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 63,007

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: Helyn

Zoey & Scooter

We've had Trupanion (recommended by our long time vet) for our dachshund Zoey for 6 years now. I also added our Westie, Scooter, about 3 years ago. Zoey was a rescue at 1 1/2 years and came with a heart murmur. I have to be honest that I was frustrated for quite some time as everything she saw the vet about seemed to fall into the pre-existing condition category - therefore not covered. I added Scooter to avoid this coverage problem as he was "event free". I was evaluating the worth of continuing the insurance and discussed it's value with our trusted vet. She thought it was still important to continue it. Still on the fence I kept it in place. Three weeks ago Zoey suffered a devastating spinal condition that required emergency surgery in hopes she'd be able to walk again. This surgery has been costly and while she continues to have issues, she is regaining the use of her back legs and is on the road to recovery. The Trupanion coverage has been there to support us. After meeting the deductible I picked ($200) the Trupanion team couldn't have been more prompt in responding to claims, available 24/7 for questions and have been a true God send through this entire experience. I guess it confirms the purpose of having any insurance in general...you hope you'll never need it...but it's comforting to know it's there if you do. I recommended Trupanion to my daughter when their family added a German Shepard puppy as well as a co-worker with a new baby Labrador. I think it's important to get the coverage in place as early as possible to avoid pre-existing conditions. I know this review was lengthy, but I hope it was helpful!!
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5

out of 5

POSTED: | BY: Jane

No worries

Our dear old dog got a virulent form of cancer. We racked up over $20,000 in bills at our Animal Hospital. We only had to pay 10%. Trupanion paid 90%. We never could have afforded to give her that kind of care without this insurance. If you love your pet, you need to buy this so that you are not confronting a choice between the pet's life and your needs. I highly recommend Trupanion.
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5

out of 5

POSTED: | BY: Gail

Very goid

Thank goodness for Trupanion! My poor little dachshund sustained back injuries and needed surgery and hospitalization. Trupanion came through! So glad I purchased Trupanion pet insurance for him many years ago.
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3

out of 5

POSTED: | BY: Gary

My experience with Trupanion has been one of excellence

Trupanion is simply the best. Whenever I called the customer service has been the best
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1

out of 5

POSTED: | BY: Lori

Trupanion is Untrustworthy

When I first enrolled my dogs in Trupanion I thought it was a great company. I own a dog business and would tell my customers that they should have insurance for their dog and Trupanion is the best. Well, they are as long as you don't put in too many claims. When I first got her she had a very odd gait. My vet indicated this in her record. At 6 mos of age I had X rays done to see if there were any problems. The X rays showed nothing. At 1 year of age I had them done again. The surgeon that did the X rays said she suspected she would have hip dysplasia. At 2, more X rays, no change. We did them again when she was 3 at a different facility and it showed no hip dysplasia. Trupanion had already said that they would not cover anything to do with her hips because of her "odd gait" she had a pre existing condition. After having the last X Ray I decided to fight the ruling of pre existing hip dysplasia. They actually called the radiologist and got him to change his report. They also had their people look at the X rays she had done at 6 mos that showed no abnormalities and said that it did show hip dysplasia. She.She has now been diagnosed with an arthritic spine, a bulging disc and degenerative disc disease. Once again they are trying to say that this is a pre existing condition from the "odd gait". They are also now holding up her seizure claims. I have tried to get clarification as how the hip dysplasia(that she doesn't have) is causing the back problems. I can't get a straight answer. I have 2 other dogs that I've never put a claim in on. I'm not asking for anything other than what Trupanion advertises and promises.
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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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