Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 62,999

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: Tamar

Great people and great care!

I have a 14 yr. cat. His age has some influence on his health and that requires me to stay on top of his medical condition all times everyday. I had a lot of support form the Trupanion team from the minute I signed with them. They are quick to respond, understanding and are willing to listen. It is great to have that kind of understanding and communication with an insurance company and most of all when it has to do with your furry loved ones.
5

out of 5

POSTED: | BY: Dawn Robinson

Good

I have so far been satify with Trupanion, the only thing is I didn't realize, weather I miss read or not clearly stated,that the deductible was for each time you summit a plan.
5

out of 5

POSTED: | BY: Cathy Heinrich

Baby teeth removed

I have a Pomeranian and he had baby teeth that would not come out and were interfering with the adult teeth. They were pulled and now all is fine. The situation was resolved.
5

out of 5

POSTED: | BY: Elizabeth Clark

So Glad I Joined

Henry is my second pet. My first dog, Snowball, came to us around the age of three and I didn't even though pet insurance existed. She was a good dog and she lived a long life, but during her last five years she was very, very sick and had to see several different kind of specialist cardiologist and opthamologists. So, when Henry came along, I signed up with Truepanion. From the first, every representative I have ever spoken to has not only been knowledgeable, very pleasant to deal with. Someone walk me through all the different possibilities available when signing up and choosing a plan. They were patient and answered questions repeatedly. What is really nice is during this process I was able to deal with the same representative rather than each time speak to someone new and explain all over again. Automatic bank deductions make payments easy and stress-free, online filing and great customer service make this a company one I am very happy to deal with. I recently filed a series of claims dating back almost one year which, due to problems at the vets office, were never properly filed with Truepanion. Once again, a friendly and knowledgeable representative (or two) was able to help me figure out what I needed to send in and basically clean up a huge paperwork mess. my claims were paid in a very timely manner – again, direct deposit into my bank account, stress free and easy! This is a fantastic plan and I am so grateful I have it. I highly recommend it and cannot say enough good things about the representatives, the various options available to pet owners and the comprehensive service and quality I have received since the day I signed up.
5

out of 5

POSTED: | BY: Jennifer Brennan

Trupanion saved our lives!

Trupanion has helped us take care of our cavalier King Charles spaniel more than we would have ever been able to. Since she was 3 months old she has experienced one health problem after another some very life threatening and some that just required major surgeries (seizures, eosinophillic pneumonia, luxating patellas, and various bladder issues and minor issues). Throughout the short four years that we have had our dog, we have never had to question what is best for Sophie because we always knew that Trupanion was there to help us provide Sophie with the best care possible. Each and every time that we file a claim or file for pre-approval before big surgeries and diagnostic testing, Trupanion has always approved our claims is an extremely timely manner and have always approved our claims. We wouldn't have Sophie with us anymore if it wasn't for Trupanion and we seriously owe them more than we could ever give! Thank you just doesn't cover how grateful we are for the amazing services and customer care that Trupanion provides to their clients. Thank you for letting us have a wonderful long life with our four legged baby!!
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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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