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: Margaret Keating

A must have insurance

Although Trupanion doesn't cover any dr visit charges (ie the actual charge for the vet to see your pet ) and no regular things like normal shots, fecals, etc., and, of course, pre existing conditions, they cover 90% of all other treatments- no "schedules" that limit the total amount they'll cover for certain ailments, injuries, etc. You can select a deductible, so you can control the cost of the premium. Trupanion agents are friendly, responsive, and quick to pay . My pug has had serious ongoing medical issues for over 2 years, and I don't know what I would have done without Trupanion. I did a lot of research before selecting Trupanion , and it was one of the best decisions I've ever made!
5

out of 5

POSTED: | BY: Cathy

Trupanion is the best!

We did not have insurance for our first pet and even though she was healthy, our vet bills over 10 years of fairly minor events added up to over $3000. When we got our new dog, Kiera we knew we wanted illness/accident insurance from the beginning. Our Veterinarian suggested Trupanion and it has proven to be a great decision. Our dog stepped on a thorn and contracted a rare fungal infection of her lymph system. She required surgery, biopsies, multiple anti-fungal medications, Veterinary Internist consultations etc and each claim has been paid in a timely manor. Kiera was admitted to the Ontario Veterinary College earlier this year and they did direct billing to Trupanion on our behalf - we were told that OVC only offers that service for owners who have Trupanion insurance! We have been able to pursue the best care and treatment for Kiera with the peace of mind knowing that Trupanion is there for us! She is now doing well on oral medication that costs over $700/month. Needless to say, this probably would not be the case without Trupanion. We can't say enough good things about their product and service.
5

out of 5

POSTED: | BY: Pink Naftolin

Trupanion - The BEST 4 legged insurer out there !!

My experience with Trupanion has been terrific !! It starts from the moment that I call with a question etc. ie. it all begins with the terrific people that answer any & all queries that I have. They are all amazing to deal with !! Kudos to them all! The claims process is incredibly quick & your client (me) couldn't be happier !! I have 3 "kids" insured by you & in all the years I've been with Trupanion, there has been very few claims that were rejected ! Another reason why I love being covered by Trupanion !! Finally, the product speaks for itself ie. my "kids" are covered from head to tail for almost any illness or accident - definitely peace of mind for their "Dad" (me) !! Keep up the terrific service & once again, thank you for taking such great care of my "kids" !!
5

out of 5

POSTED: | BY: Jim Norbut

Pet Review

My wife and I are extremely happy with the response time of Trupanion crew. I spoke to a rep and she assured me Trupanion would be there and they stand by there word. With this I thank you!
5

out of 5

POSTED: | BY: Peggy

Great service! Instant review of claim!

Love how you review claim while I wait! Very helpful and quick service!!! So much easier than having to submit claims!

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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