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
5

out of 5

POSTED: | BY: Elaine Loney

Trupanion leads the pack

I am always astounded at the speed at which claims are handled. Trupanion not only reimburses me quickly, but staff communicate effectively from the moment the claim is received through processing. We are very pleased with the coverage our dog has received over the past seven years, especially for all the medications and tests needed to treat his chronic diseases.
5

out of 5

POSTED: | BY: Jeff Rondeau

Hassle free coverage; they give what they promise

I have had Trupanion for ~ 8 months to cover my Great Dane. Given what I was going to pay for him and the various things he could be prone to, I felt like insurance was prudent. I did an absolute ton of research into all of the major companies. I weighed all of the pros/cons -- there's no one company that's perfect (example: I really wish Trupanion had some form of coverage for at least a portion of the exam), but for what I needed Trupanion seemed best. I was amazed at how for each and every company (to include Trupanion), there were reviews that said they were absolutely fantastic and others that said they'd rather lose their right arm than go with this company again. I can honestly say that thus far, my experience has been perfect. I have a zero deductible plan. I go to the vet and pay my bill. My vet submits the claim to Trupanion for me (the claim form takes about 10 seconds to fill out) and voila: a check for 90% of what's covered arrives in the mail. No hassles, questions, resubmissions or attempts to hide behind tricky language so as not to pay. I get an email to say they've received my claim and another that says the check's on the way. I've probably submitted 5-6 claims thus far and have yet to have a problem. I can honestly say I've been very satisfied. Even their phone people were nice when I called
5

out of 5

POSTED: | BY: Freda Bock

Great Product and Service

I have subscribed with Trupanion since 2011 for all my 3 pets. A few months after I joined, my Yorkie Samson developed a serious illness and the staff at Trupanion were extremely understanding and helpful and supported all treatments required to bring Medicationa ndhim back to health. Now, both my cats are senior citizens, and as such have developed some health issues, which Trupanion is helping with medication/supplements. The new Claim process is quick and efficient. To date, I am very pleased I chose Trupanion over the previous insurer I had. Trupanion tends to make things easier not harder and they are up front about what is covered and what is not. Other companies I dealt with used ambiguous language and you never were sure if you are covered or not. Kudos Trupanion.
5

out of 5

POSTED: | BY: Mike Glickman

Trupanion has been absolutely amazing.

Unfortunately our 2 year old puppy was diagnosed with early kidney disease and we had to run several tests, see some specialists and begin providing our dog with various prescriptions on a daily basis. Trupanion has been fantastic, has covered the numerous expenses and their claims paying process is extremely quick. Thankfully our puppy seems to be doing fine, but it will be a long (hopefully) road ahead and we are so thankful to have Trupanion by our side.
5

out of 5

POSTED: | BY: Luke Raymond

Unbelievably good Customer Service

We recently had a problem due to our dog Oscar having eaten something that he shouldn't have. He became very sick and we were forced to take him the the emergency vet. After 2 nights they released him (prematurely), and he began having bloody diarrhea within 24 hours after starting his medication. All in all a very bad experience.Trupanion however was a HUGE help! They immediately pre-approved his procedures, and after the bloody stool they made sure that we were comforted in knowing they would pre-approve any additional costs associated with having to take him back to the emergency vet. If we had health insurance for us humans that was HALF this good, we wouldn't want to use the public system ever again. Truly above and beyond expectations!
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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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