Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 62,983

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
1

out of 5

POSTED: | BY: Michael

Pet insurance IS A MUST... but beware...

My dog needed a $10,000 an emergency back surgery. I had been a TRUPANION member for 4 years. I needed preapproval from them before anyone would help my dog. The entire ordeal became totally about money as my dogs nervous system began to slowly give out. First his back legs, then front, loss of tail movement, inability to control bladder and next were his lungs. This happened over a course of 5.5 hours while trupanion decided whether or not his surgery qualified. I KNEW IT QUALIFIED WHEN I CALLED BECAUSE THIS SITUATION WAS THE EXACT REASON I GOT HIM COVERAGE. His breed is prone to back problem as they age and he is 11. Even though I had ALL his medical records from adoption (1.5 years old) till current day on hand and ready to go they still looked for a reason to deny him. They eventually paid $8000 of the $10,000. They claim to pay for 90% of the bill but they find ways to shift as much of the cost onto you as possible. In the end they took a $6500 hit by agreeing to cover my dog (after you add how much I paid in premiums over the years, deductible, etc). They would have made a $3000 profit off of us if my dog had died. I can only assume the 5.5 hour wait for approval occurred for that reason. After agreeing to fulfill their end of the deal we both signed for, their rep threatened recourse if they later find a preexisting condition that could have led to the surgery. Then he promised my next claim would require more health history proof making my next claim even more stressful. So I'd love to say thank you for saving my dogs life to trupanion... I'd also like to say that should any of their children be put in a similar situation that their health insurance provider show more respect, compassion and effort than they showed us. PUT PLEASE I URGE YOU TO CHOOSE SOMEONE ELSE TO PROTECT YOUR BEST FRIEND!!!! I wish I had.
5

out of 5

POSTED: | BY: Heather Kelle

Nice, quick & exactly what they say they are

The staff is very nice & understanding during your event. They are quick to get answers & quick to pay their bills. They are exactly what they sy they are & do exactly that. Though we were in a panic when our little man got sick they assured us they were going to take care of it with the vet's office. It was simple & we are so glad we have this insurance.
5

out of 5

POSTED: | BY: Caroline

Excellent as always!

Trupanion is very quick to reimburse and has supported us fully with a number of recent claims for our dog's knee surgery and pre/post care.
5

out of 5

POSTED: | BY: Jill Arcand

This insurance gives me peace of mind

My dog suffered a "sports injury". He had a limp that wan't going away. So we were able to get him mediation and an x-ray to confirm that he did not require surgery at this time. Having insurance allows me to focus on what is best for my dog without being distracted by the financial aspect of going to the vet.
5

out of 5

POSTED: | BY: Tonia Lofland

Very thankful!

I added my dog Bailey to insurance at the mature age of 11yrs old even though he was healthy I just started thinking he was getting older and may have problems. I wish I had done it sooner in his life but, better late than never. Within 6 mths of getting the insurance I took Bailey in for a symptom. We were sent to a specialist and told we needed several ewxpensive sonograms and blood tests. It was a hige relief to know I had this insurance to help. We spent over $1600 and were pleased with the amount of money we received back into our checking account from Trupanion as their part of our coverage. They even helped with the medicine. Very glad I made this decision.
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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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