Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 62,998

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: Elizabeth Clark

So Glad I Chose Trupanion

There are quite a few choices when it comes to choosing insurance. Fortunately, I chose to Trupanion and couldn't be happier. The representatives are not only kind and courteous, but very knowledgeable. They walked me through the various plans available and helped me to choose the one that best fit my budget and my needs. Claims are assessed in a timely manner, customer service is available at all times, and filing claims is easy. The online availability to check my claim or stay on top of open claims make things convenient as well. Overall, an excellent choice and one I highly recommend.
5

out of 5

POSTED: | BY: Diana

Awesome!!!

Our Saint Bernard/Newfie cross ruptured both of his cruciate ligaments within 3 months and Trupanion couldn't have been more helpful. On the first claim I received reimbursement from them in less than a week. On the second claim, I had Trupanion pay the vet directly so I only had to fork out my 90% which was nice. I only wish they paid examination fees as consultations with the surgeon were fairly expensive.
5

out of 5

POSTED: | BY: Ingrid Nersesian

Pet Insurance Review

This is a fantastic company. Everyone went way out of their way to locate all bills, even a couple that I forgot to submit! The claims were processed very quickly, and phone calls and emails were returned the same day, often within an hour after I sent them. Best of all, people seemed really to care about my pet's health. I was treated not just as a client , but as a real person who was worried about her pet. The people who work here are an exceptional group -I will be writing an email to the company president to let him Know what a great group of employees he has.
5

out of 5

POSTED: | BY: Jane Williams

Excellent Experience

Trupanion Insurance is the first company I have used for pet insurance. It was recommended by my vet when I got my current dog. I never had insurance on my previous 5 dogs and spent thousands of dollars on various injuries and illnesses over the years. I was skeptical about getting insurance because it seemed quite expensive. For my dog, it's about $50 per month...$600 per year. If my dog's expected life span is 10 years, I'll pay about $6000 in premiums over his lifetime. One hospital stay and surgery to remove a corn cob or sock that was eaten by the dog costs around $5000. So I decided to get insurance and chose Trupanion. My last claim was processed in less than 2 weeks. Even though I've only had the insurance for about 5 years, they have paid me a lot more than I've paid them. I highly recommend Trupanion. The coverage I have does not cover preventive care or office visits. What it does cover is the emergency surgery on a holiday weekend.
5

out of 5

POSTED: | BY: Beatriz Zayas

MATCH MADE IN HEAVEN

My family and I decided to help the local animal shelter by adopting two of their dogs. First came Frankie, who was 4-months at the time (hound mix) and then came Nacho (a pug mix) who was 1-2 years at the time. I never gave it a thought into buying health insurance until my local vet try to sell me one. When I read the brochure it didn't impress me much and I decided to do a google search. After much research and review at settled at TRUEPANION and what a wonderful match. Not only did it fit my budget but my needs. A couple of months later, our Frankie started limping and he was diagnosed with a torn knee ligament and had his first orthopedic surgery. A year later he had a luxating patella and another torn knee ligament on the opposite leg. What a journey and one that I couldn't have done myself as I was not only in panic mode every time but financially it would haven't been possible without TRUEPANION. Life happens and being parent is sure a learning curve. This year our pug-mixed was diagnosed with an enlarged heart and other digestive disorders and again TRUEPANION was there supporting us from day 1. As an animal guardian, it is my moral responsibility to take care of my dogs and by being vigilant about their diets, lifestyle, health screens, etc....that contribute to an overall wellness. I can't even imagine to put down a healthy and lovable animal because of money or worst for the mistakes one takes as an animal guardian (again the learning curve). My TRUEPANION experience has been stellar from friendly and supportive service over the phone (yes there has been times when I have called with a broken voice) to timely refunds. I wished my human insurance will work like TRUEPANION where the well-being of the pet is the priority while meeting the needs of the animal guardian. I am very thankful for every minute a TRUEPANION staff member has taken whether to take my call, fill out my form, process my refund check, or call to follow. But what I love the most about this relationship with TRUEPANION, is my ability to provide the best care to my two little angels and for that I will forever be grateful.

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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