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
2

out of 5

POSTED: | BY: Kim Wong

Great insurance, but you'll pay for it - dearly!

I have been a long time customer of Trupanion, from before it was even Trupanion and was Vet Insurance. Since falling under the Trupanion name, my rates have increased 20% per year, and were even increased 35% the first year it became Trupanion from Vet Insurance. Sure, they say they do not increase your premiums based on your pets age, or claim history. Call and you will get a blanket statement that it is based on the cost of veterinary care in your area. Not sure where they get that data from, the routine vet care I get for my animals does not increase 20% per year. I question if there is any regulation in this industry, my house and car insurance do not increase 20% every year. A clause in the policy I signed up for with Vet Insurance, had been honored by Trupanion and I have just been informed that they will no longer honor that clause and it will increase my premiums by another 10% this year, after a 20% increase just months ago. So this year I will have another 30% increase to my premiums. Call and you'll get a blanket statement that I can increase my deductible rate to reduce premiums, all because they will not honor the policy that I signed up for. Unfortunately my pets are all aged now, and have a history, so switching companies is virtually impossible. However, when I get my next pet, I will be shopping around for pet insurance policy's before signing up. Trupanion is not on my automatic list anymore. Their coverage is great, and in that regard I am happy with them, but they nickel and dime their customers. In four years, the cost of insuring a puppy under one year of age for my breed of choice has doubled!!!!!!!!! Great coverage, but you'll pay for it dearly. I once was a customer who wouldn't hesitate to recommend Trupanion. Now I would recommend you shop around, there are more and more insurance options for pets and I would think it's becoming a more competitive market based on the amount of pet insurance marketing information I get in the mail, and it would be with very baited breath that I'd recommend Trupanion.
5

out of 5

POSTED: | BY: Cindy Chomistek

"Tru" to their word for the second time this year!

Our young Sheppard/Cross slipped on the deck and split his hide open wide on a nail sticking out of a post. This is our second claim with Trupanion in less than a year. I was very concerned how this might affect our coverage but Trupanion covered "Tucker" without delay and on the spot. We were very pleased to focus only on Tucker and not to have to haggle coverage. Thank you! Tucker is healing nicely and our world is a little more stress free.
5

out of 5

POSTED: | BY: Barbara Johnson

Claims filing easy

Have filed several claims for our cat, Charlie. The initial claim takes a bit longer, as records have to be requested and reviewed. All subsequent claims for related problem is much easier and the claims process is simple and fast.
5

out of 5

POSTED: | BY: Lee Anne

So fast and easy...great experience

Trupanion is so easy to work with,they process claims so fast. Never had any issues with this company at all.
5

out of 5

POSTED: | BY: Nan Dupuy

Very Professional and caring

This was my first claim and it went very smoothly. I talked with a couple of agents and all were helpful and well informed about my claim. I'm very glad I signed up.
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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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