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: Michael Haselmire

Outstanding!

Trupanion is nothing short of the most professional firm I have EVER worked with. Their clamS management process takes just 2 or 3 days to post a claim payment to my bank. Unbelievable indeed!
5

out of 5

POSTED: | BY: Mike Roberts

Trupanion has provide the service they promised

We decided to get pet insurance for our puppy (Casey) when we got him at 8 weeks of age - I did my research and settled on Trupanion. Over the years we have had small claims and they have always been paid. This year sadly Casey - who is now almost 9 years old - was diagnosed with lung cancer - he has had surgury to remove a lung lobe and the tumor. This involved many tests up to and including a CT scan all of this was covered as stated. He is now in his 2nd round of Chemo - also being covered. Trupanion has done exactly what they said they would cover - 90 % before tax on all treatments and required prescription drugs - this means on a total bill with tax you pay 23% and Trupanion pays 77% - without the help of Trupanion our cost would have been beyond what we could afford - with there help - Casey has a fighting chance now - we will never have a dog without pet insurance and will most likely always be with Trupanion
5

out of 5

POSTED: | BY: Talia Kuperberg

Life saving

With out trupanion I would not be able to afford to give my golden retriever who I cherish more than anything he care he needs and deserves. Trupanion is honest, fast, very dependable, organized and friendly. I recommend to anyone who has a pet to get Trupanion.
5

out of 5

POSTED: | BY: Lane Family

Confidence in pet ownership :)

I have had pets my whole life, and sometimes I was worried that if something happened to them would I be able to handle it even though sometimes life hasn't been very nice to me as a human. Priority is my babies. Now I'm older and my life is more secure, but I know even now, things happen. Now some of that fear is gone because I have insurance on my pets. Trupanion was the best I found and they take very good care of my troops. I like that I can submit claims or my vet can. Doesn't matter. I have many pets (4), but your monthly premium is adjustable based on what you can afford. Basic care of your pets is your responsibility (checkups and maintenance), but Trupanion handles the 'whoops' or the 'surprise it's cancer' life tosses your pet's way. I will never own a pet again without Trupanion to make sure everything will be okay. They make it very possible to care for your pet no matter what. No pet parent should have to kill their pet because they can't afford a specialist. Trupanion has your back!
5

out of 5

POSTED: | BY: Debbie

Destressing

I always forget about the deductible hence letting or reminding clients it is annualI have recommended many friends and new pet parents If I didn't have this coverage we would have had to put our little Yorkies down THANK YOU

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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