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: Pat

Loop holes

We pay monthly for our pet insurance with Trupanion. Our ten year old lab needs to have two teeth possibly extracted and because the dog had "mild gingivitis" two months before signing up over two years ago, they are denying the claim because it was "pre existing". Very nice customer service, all while telling you "sorry.... can't help you." We got trupanion to help us with big, unexpected bills such as this, and they left us high and dry.
5

out of 5

POSTED: | BY: grace giancamilli

I am very happy to have Trupanion ins. for my pets

Upon submitting my claim for my dog, Trupanion acknowledged my claim. I was kept informed of the progress of my claim from beginning to end.
5

out of 5

POSTED: | BY: Joyce Trahan

Trupanion! Thanks a million!!!!!

Trupanion!! I cannot thank you enough for how you helped our family with our Maltese named Sasha! Sasha is 13 years old and we love her so so much!!! Sasha had suffered with a collapse trachia. It was the worse day of my life to see Sasha go through what she went through! If it wasn't for Trupanion, I don't know what we would have done! We are forever grateful for Trupanion being there for Sasha!!! I would like the entire world to know, if you love your dog and cat, you must have Trupanion insurance! I cannot thank Trupanion enough for how they' helped Sasha! You would never imagine the amount of vet bills, how quickly they add up! for blood work, hospital stay, tests, medication, how quickly it adds up and Trupanion pays 90 percent of all the vet bills. All my friends and family who have a dog have Trupanion insurance! It is the best thing I ever did, getting pet insurance! Thanks a million for helping take care of Sasha!
5

out of 5

POSTED: | BY: Alan Katof

For Real

They are there when you need them with prompts service that reflects exactly what is in the agree. Trupanion is very easy to work with.
5

out of 5

POSTED: | BY: Suzanne

A tribute to Cooper the Golden Retriever

Cooper was insured with Trupanion when it was Vet Insurance and he was only 8 weeks old. Throughout his life, Cooper needed veterinary care and I never hesitated knowing that Cooper had health insurance. One time Cooper was hit by a car. I was devastated and did not have my wits around me. I called trupanion and they arranged to have the vet directly bill them for Cooper's medical costs and Cooper came out with just had a leg abrasion. The vets did a thorough examination and took x rays and a MRI, the way that trupanion looked after Cooper by arranging the billing, let me concentrate on Cooper's immediate needs. Cooper lived to be 12 years and 11 months and trupanion was as good as their name. Cooper was always medically looked after and they always came through.I would recommend them to anyone looking to insure their pet.

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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