Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 63,001

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: Vincent

Fast and reliable

Pepper is my second dog, this is my first time getting a pet insurance. He's insured by Turpanion 30 days trail and unlucky he's to use within the trail period because my wife give him wrong treat which make him diarrhea and vomiting and has to go to emergency. Claim is easy and fast what I need to do is send a photo of receipt to Turpanion claim email, within 1-2 days I've got reply and get money back within a week. Unfortunately I've to use it again because Pepper jump and broke his front left leg, I sent the receipt to Turpanion again as usual it's fast. I highly recommend Turpanion, not just fast and their representatives are nice and helpful, also wait time is less than 5 mins.
5

out of 5

POSTED: | BY: Leslie Angus

A veterinarians choice

First, I should say that I am a veterinarian. I have pet insurance because while I can provide most of the care for my pet even I need the help of specialists at times. This time my little guy tore both his cruciate ligaments and needed to see a surgeon to correct the problem. His surgery went great and Trupanion responded very quickly to my claim. I see a wide variety of insurance claims from clients and I chose Trupanion because of the extent of coverage they offer and their great client service.
5

out of 5

POSTED: | BY: Julie and

Great fast service!

I was surprised how easy it was to get claims processed and paid. Our vet participates with Trupanion and files the claim directly with them and I can elect to have the payment sent directly to Trupanion, which I did. I got an email notice a couple days later that the claim had been paid, and an Explanation of Benefits. I wish my health insurer were that fast! We are very impressed!
5

out of 5

POSTED: | BY: Martha T.

Excellent--WAY better than I expected...

My first experience with pet insurance, very expensive acute event. The vets offices and I submitted the forms on a Friday and the next Monday, the review was indicated to be in process on Tuesday, and was approved on Thursday and I had the check within 2-3 days. Amazing. Needed to call them a couple of times just with my own questions (not because of issues) and the phone was answered promptly, the folks on line had my case records available WHEN they picked up the phone, and were clear and knowledgeable from the start. I did not expect this from my knowledge of human insurance. Although when I was choosing insurances, my vet office said Trupanion was the most helpful and they felt the best coverage. With my dog's acute event, the specialists group that I needed to see said the same---the best coverage and easiest to work with, in their experience. This review is totally uninfluenced, and I am a very happy camper..!!!!
5

out of 5

POSTED: | BY: Jubilee Cacaci

fast efficient service

the policy and insurance was dealt with in a very fast and efficient manner. I was updated via email regarding my claim and coverage, I received a cheque I the mail within 1 week and I live in rural BC. I also used this service while Domino was under coverage about 4 years ago. She fell off a cliff (she had multiple surgeries and weekly checkups over a 1yr period) the Trupanion insurance was very beneficial and helpful during the ordeal. Domino is now fully recovered from her fall and is doing great.

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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