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
2

out of 5

POSTED: | BY: Kaylee

Not worth it

I honestly heard great things about this company until I added a policy for my dogs. Initially, everything was okay until my pet was diagnosed with skin allergy and trupanion refused to cover it stating that it was a pre-existing condition. (which it was not!) he came in the vet previously for skin irritations from fleas. I kept the insurance for another year just in case if anything were to happen to my babies and realized that my bill was increased by about 30 dollars at the year mark. I was not notify about this issue so i was a bit upset. I called to discuss the issue and decided to cancel instead. Trying to cancel your policy is a NIGHTMARE!! they will try anything to force you to stay with them even if it's increasing your deductible to $1000. WHY? when they wouldn't even cover my $100 deductible? This wasn't a pleasant experience for me. I wouldn't recommend them.
5

out of 5

POSTED: | BY: Lindsay Cillins

Amazing Coverage!!

Trupanion is amazing. At an already stressful time when your companion is in need of vet care, there is no "B.S." to deal with. I am so glad that Trupanion has proven time and time again to really be there when we needed it, and having to giant breed dogs this is important. I ALWAYS recommend Trupanion to friends, family, and strangers.
5

out of 5

POSTED: | BY: Mary Zappala

The best insurance out there!

My dog Cooper is 15 months old and this insurance is the best decision I ever made. Cooper has had some health issues in his short little life but the one thing I have not had to worry about is his medical bills. Trupanion has paid every single one of them...promptly...without me making one call. My doctor's office submits the bills, Trupanion keeps me updated by email of the status of the claim and the check comes in the mail...usually within a 2 - 2 1/2 week period from the time they receive the claim...it is that simple. If you are looking at other companies you can stop, you have found the one who does what they say they do. I hear other people talking about their rates going up crazy with other companies after they put in a claim. I had 4 claims my first year and my rate for my second year went up a little over $4 a month. Nothing crazy here.
5

out of 5

POSTED: | BY: Linda Bennett

Very happy with Trupanion

I have been very pleased with the way Trupanion has handled my claims. They cover more then the other insurance companies I have seen. I feel they are fair in their decisions and if you do disagree they have an appeals process. I used this one time, provided additional information and my claim was reversed. I recommend them to all my family and friends. There is nothing worse then being told your pet needs some type of treatment or surgery that is very expensive and knowing you can't afford to do it. With Trupanion I don't have to worry about that. I pay my deductible and 10% of the cost. I will never be without it again as long as I have a pet.
5

out of 5

POSTED: | BY: Steiger

Great decision

Deciding to insure my new puppy after our last dog died of cancer was a no brainer. Deciding on which company to choose was a little harder. I chose trupanion because I liked the one time deductible per disease/disorder. I like how they cover most conditions and have less exclusions than other companies. Unfortunately I was not planning on needing coverage until my dog was older- but now as a 2 year old he has injured his cruciate ligament ( ACL) - trupanion has been great, covered everything and pre approved the surgery. Saved my marriage and my dog!!!!!!
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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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