Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 62,925

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: Laura DiIoia

FABULOUS Customer Service!!

I've had two claims already for my 4-year old dog. When I spoke to a customer Service rep, it didn't seem like I was speaking to an insurance company. The repwas very concerned about my dog, and was very knowledgeable about my dogs medical condition. Sounds weird to say, but they seemed almost happy to pay the claim! Claim process couldn't be easier. Would highly, highly recommend.
5

out of 5

POSTED: | BY: Carol Boyd-McDonald

Awesome service and reliability!

Excellent service and worryfree honest coverage. I would definitely suggest that all pet owners buy insurance with this Company. Hopefully you never need it but from someone who has used it it's also nice to know it's there for you if you do need to use it. Never a worry about providing the best care for my pup.
5

out of 5

POSTED: | BY: Tamara

Stenotic Nares-- Can't believe they covered it!

I was so thrilled to find out that Trupanion was going to cover my dog's Stenotic Nares surgery! Prior to doing the surgery, I had heard from many other French Bulldog owners that the procedure would likely not be covered. Since it's SUCH a good surgery to do on a dog with narrow nostrils, I decided that we would go ahead and do it regardless of whether or not it would be covered afterward. My dog's quality of life was (and IS) worth more than whatever the surgery cost was. The surgery went well, and a few days afterwards I decided to submit a claim. To be honest with you, I was so convinced that it wouldn't be covered that I almost didn't even bother submitting. So you can imagine my surprise when I got an email from Trupanion telling me that they would be happy to cover it. I am just thrilled!
5

out of 5

POSTED: | BY: Ronald Phelps

Pancreatitus

My female dog became lethargic and had not eaten and was not drinking water and was not having bowel movements for about 4 days. My veterinarian checked her for all possible causes and concluded that she had Pancreatitis. She was given antibiotics and started on a catheter for additional fluids. The vet followed her care for 3 days until she was well enough that she started eating again. My bill was submitted to Trupanion who paid all but the 10% and examination within two weeks. I am extremely satisfied with Trupanion for their quick response to the bill and also my vet who very professionally diagnosed and treated my dog.
5

out of 5

POSTED: | BY: Morgan Holmes

Excellent; no questions

Our 3 year-old male has FLUTD which requires on-going care and attention. Trupanion coverage has taken some of the anxiety out of caring for a pet with a chronic condition. In the long run, coverage plus deductibles are likely equal to the cost of treatment, but it's never a sudden financial drain.

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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