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: Susanne Bowser

So thankful for Trupanion!

I have a young dog and debated weather or not to get pet insurance. Fortunately I did, as my dog developed a lump on his tail that turned out to be cancer. He had to have his tail amputated. Trupanion paid quickly and without any hassle.
5

out of 5

POSTED: | BY: tim horrock

great, easy

kani who was 1 yr old torn a ligament in his knee, it was a big operation, scary, and to us a difficult 2 months recovery, trupanion handles claims easily and quickly, allowing us to focus on Kani, with simply checking up e-mails letting us know they have it taken care of, better than my own insurance
5

out of 5

POSTED: | BY: Brenda Johnson

Fantastic Insurance Company!!

Trupanion was a free trial when we first got our puppy. She is a basset hound. Little did we know we would be needing to use this insurance as soon as we did. Sara had 8 extra teeth that needed to be removed to allow room for her regular teeth to grow in properly. Trupanion was there to pay for the special Vet Dentist to do the surgery. She also has stomach problems and we are constonatly putting her on medication for that and special food to try and figure out what is causing it. Again Trupanion was there to help us through this time. Sara is only 8 months old and if we had to pay for all the medical bills so far ourselves it would be close to $5000.00 but Trupanion has been by our side helping us and caring about Sara as much as us. I would recommend this insurance for any new pet owner. They are so fast at sending the reimbursement or paying the vet which ever the case may be.
5

out of 5

POSTED: | BY: Gary Duncan

Excellent

Great Service.
5

out of 5

POSTED: | BY: Judith Deltuva

Trupanion is fair and efficient

Lilly came into my life 13 months ago. As an avid walker I needed a dog that could cover a lot of ground. As soon as I laid eyes on Lilly I knew she was the one. I'm retired and hesitated to get a dog because I'm on a moderate fixed income and I know owning a dog these days can be very expensive. Lilly had been found by a gentleman who was physically unable to walk her and the lack of exercise for such a high energy girl was causing behavior problems and tension between her and her owner. Pretty much at the end of his rope, he graciously allowed me to have her. I decide that I needed to be sure that I could provide Lilly with quality care should she ever need it and made the decision to get insurance. My vet mentioned Trupanion and and I'm grateful that he did. I bought the policy within days and thought that should Lilly ever be injured or swallow some foreign object she could get the help she needed. Lilly thrived on a high quality diet and daily walks of four miles a day. After being with me for over a year she began to show signs of gastrointestinal distress. When it persisted for several days we went to the vet. Two visits (including an overnight stay)with an x-ray, sophisticated blood tests, medications, food additives to aid digestion, a specially prescribed dog food, and first rate care resulted in a diagnosis of the early stage of Addison's Disease and two bills totaling $1,887.00. The first visit included items that I knew were not covered such as the office visit charge, flea/tick/heart worm meds etc. I mailed the claim form and immediately received an email from Trupanion that it was being processed. Within days a check for $343.00 was issued to cover the eligible charges. I was impressed. The second claim was for $1184.00 and a check for $1,035.00 is on the way. I got the same speedy response from Trupanion and so I will be able to use the money to pay the credit card bill before the due date. I'm very happy with Trupanion. I have peace of mind that I can take care of Lilly. We caught this condition in its early stages before organ damage and having coverage contributed to that. The vet said that she will need cortisol supplements to maintain good health and that she should have a normal life span. Trupanion if fair and efficient. Singing up was a good decision. I bought it for peace of mind. Little did I know how soon it would need it. Lilly is doin
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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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