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: A. B.Alexander

Quick reimbursement for major surgery

3 year old golden had ACL surgery with plate implanted. $4,800+ bill from hospital. Within 3-4 days, Trupanion paid/reimbursed us with check for 90% of that amount. Can't get any better than that in my opinion.
4

out of 5

POSTED: | BY: Lea

Quick response and explanation of payment is very helpful

I am very glad I got this insurance for my pets, you are always there when I need it and I can feel relieved to know that I will get reimbursed so I can take care of my dogs with confidence.
5

out of 5

POSTED: | BY: Myranda

Fast and Efficient

Our claims were processed so quickly with the refund to us in less than a week. With all the skin issues our poor little mutt is having it is nice to have a company that understands the urgency to get our claims processed. At this point as we put out so much money it's nice to receive some through our trupanion claims.
5

out of 5

POSTED: | BY: Deanne Titterington

Fast, easy and exactly as described upon start-up!

Our 6 mo. old puppy Super Grover ( Shephard/ Great Pyr.) took advantage of a chaotic situation and got into the trash on Thanksgiving. He grabbed a ball of tinfoil (a split second is all it took) and swallowed it before we could remove it from his mouth. We were away with family in Maine called the emergency vet on call at home. They walked us through all the signs and symptoms of distress we should look for. He was passing it for a few days until Sunday at 4am. He began vomiting and a good amount of tinfoil was expelled. At this point we rushed him to an emergency vet in Maine to see if he was stable enough to get home. He was and we were able to bring him home to our go to emergency hospital in MA. They were able to do X-ray's Bloodwork and clear Grover with specific discharge instructions. During this time the hospital was able to help us begin a claim and start the process. We were pre-approved and the hospital submitted the final paperwork necessary. We received a confirmation email the next day and a claim check within a week. We were skeptical of pet insurance in the past but after having a dog in the past with many medical issues, We felt it would be worth it to try. When we adopted Grover he came with a one month free trial. After some deliberation we decided it would be worth it to try. We very happy with that decision and could not be happier with the service we have recieved so far. We have spoken to customer service representatives on a few occasions who have been professional and curtious. We would highly recommend this company to anyone with an animal.
5

out of 5

POSTED: | BY: Robert

The "Tru" choice

Why would anyone choose any insurer but Truepanion? The claims prices could not have been easier. The premiums are manageable. This is the best value pet insurance on the market.

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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