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
5

out of 5

POSTED: | BY: Scott

Exceptional claims service.

Although not the least expensive of available options, the ease of submitting claims and the speed with which they are processed is quite outstanding. Phone support is also efficient, friendly and "above and beyond". What is disappointing, however, is the fact that the examination fee is NOT covered. This is often at least 50% of the cost of a typical visit, so in reality, the deductible for each visit is the cost of the examination PLUS the policy deductible amounts per condition and for each year. In reality, pet insurance is really for major or catastrophic types of medical claims. Think of it in that way. I doubt that very few if any people actually recover the premiums they have paid over the average lifespan of a pet from the claim payments you receive from the insurer. If you have the discipline to take the $100 per month in premiums and put it away in a savings account, you will most certainly be money ahead. It would also allow you to pay for one or two catastrophic type of injury or illness claims along the way. The only time it would be a net loss is if you have the misfortune of having a serious injury or illness early on in the pets life.
5

out of 5

POSTED: | BY: Marilyn Barry

I am very satisfied with Trupanion.

My cat was diagnosed with Polycystic Kidney Disease in January. Since then she has visited the vet many times for blood work, urine tests, etc. Trupanion has paid my claims promptly. This is my first experience with pet insurance and I am very pleased.
5

out of 5

POSTED: | BY: Nancy

Trupanion - you've been awesome!!!

I was reluctant to buy pet insurance; however, after much thought and researching various pet insurance options, I landed with Trupanion. My 1 year old Alapaha Bulldog recently injured her leg. Without Trupanion I would not have been able to afford the surgery. Trupanion has been very helpful in answering questions. Quick to reply to estimate and very timely with processing claims. I would not hesitate in recommending Trupanion. The biggest gift, I was able to give my puppy the surgery she needed. Without it, she would have lived a life in pain and on pain meds. Thank you Trupanion for allowing me to help my bestfriend! Having peace of mind knowing the surgery would be covered allowed me to make the best decision for my little girl!
5

out of 5

POSTED: | BY: Matthew Clemons

Trupanion was a huge help

I had only had my insurance a short while before Colette was diagnosed with a torn ligament in her knee. Nobody likes dealing with insurance companies, but all of the staff at Trupanion were extremely nice and pleasant to deal with. Trupanion covered the costs of the TPLO surgery and the follow up. I am very grateful.
5

out of 5

POSTED: | BY: albert burton

Great results

We have had trupanion insurance, since Bella was a puppy. We have made a few claims , have had no problems and they are very fast.
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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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