Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,111

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
1

out of 5

POSTED: | BY: Debby Presson

Trupanion is happy to take money but would not pay anything

I paid for this insurance for about a year for my 2 young (4 year old) shelties...around $125 a month. I faxed in several claims for different conditions-each of which they denied. I didn't realize they go back at least 18 months, and if any symptom has ever been mentioned to my vet-Trupanion will call it 'precondition' and not payable. For ex, I wanted to get a prescription and diet for my dog for possible allergies. I had once mentioned a year earlier to my previous vet-that my dog was scratching, but my vet did not offer any medical advice. Because of this-Trupanion would not cover anything related to allergies. They cover next to nothing-not physical exams, not specialist consultations, not dental cleaning, mostly they look for ways not to pay. My dogs were not hit by cars or anything-so maybe they may have paid for something if I had continued to pay $125/month hoping they would have a catastrophic accident.
1

out of 5

POSTED: | BY: Rebecca

Trupanion takes no action to help customers for "services not received"

I brought to Trupanion's attention that I have been funding a policy that I just recently came to learn I have no ability to collect on if there were ever a claim. I asked Trupanion to please correct the error in policy owner name since the dog insured was my dog (always was and continues to be) but they refused. I then asked them to stop pulling the recurring payment from my banking account which they also refused. I tried to close my banking account but because of the recurring payment, I couldn't. I now have a claim in with my bank and have continued to appeal to Trupanion including asking to file a formal complaint, speak with their legal department, etc., all to no avail. DON"T USE THIS INSURANCE COMPANY. THEY PURPETRATE FRAUD AND WILL NOT STOP TAKING MONEY FROM YOUR ACCOUNT EVEN WHEN YOU ASK THEM TO CANCEL THE POLICY.
5

out of 5

POSTED: | BY: Susan

Very nice and knowledgeable

Very nice and knowledgeable
5

out of 5

POSTED: | BY: Stephanie

Two days in a row I was able to speak to the same person and she remembered me

Two days in a row I was able to speak to the same person, and she remembered me
5

out of 5

POSTED: | BY: Amber

Trupanion works with my Vet's office to process claims super-quick!

Trupanion works with my Vet's office to process claims super-quick! Before I leave the office, there's no question about what's covered. And I've been very pleased with the coverage so far! My question now is why can't my human medical insurance be this efficient?!

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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