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: Abby

Great insurance!!

A few months ago I felt 2 bb sized lumps by one of my cats mammary glands. I took her to the vet and it was recommended we do surgery as they are usually cancer. I had a unilateral mastectomy preformed and had to submit many claims to trupanion for the surgery, and then multiple rechecks. All of my claims were processed extremely fast (the last claim literally taking 5 hours from submitted to processed). I am very pleased with the service provided by trupanion. I have also called multiple times to talk with customer service and everyone is always so friendly and helpful and was concerned about how my cat was doing after surgery. It did turn out to be cancer (not a very aggressive form) but I know trupanion will be there if we have more issues in the future. She is doing great and the cancer was completely removed!
5

out of 5

POSTED: | BY: Joan Moniot

Excellent Customer Service

My dog Riley was recently diagnosed with a cancerous tumor. With one exception, Trupanion examined the claims related to his diagnosis and surgery and we received notice of consent followed very quickly by checks in the mail. I am very pleased with the outcome. Riley was not put in danger by our being forced to wait on their approval.
5

out of 5

POSTED: | BY: Jason

excellent coverage

Trupanion doesn't cover actual vet visits, but after the deductible was applied, covered 90% of my dog's allergy test and treatments. I've had her covered for other ailments, and have never had any problems dealing with them. Money well spent!
5

out of 5

POSTED: | BY: Fran

Truly the best

I have had Trupanion pet insurance since I got my rescue dog, Annabelle in February, 2011. A year later I noticed she was limping & I took her to my vet. He diagnosed her with 2 trick knees (rear legs) requiring surgery. She had the 1st surgery March, 2012 & the 2nd one in May, 2012. Each surgery was over $2600.00. The ease at which this was handled was amazing. My vet submitted the bills to Trupanion, & they covered all expenses at 90% which they sent directly to the Vet. I paid the balance of 10%. In addition, my Vet recommended a joint supplement to be given to Annabelle daily & Trupanion reimburses me at 90% when I submit my, bills. And the most amazing part is they actually send me a letter thanking me for taking such good care of Annabelle. Also their staff are professional, courteous & extremely helpful. They are simply the best.
5

out of 5

POSTED: | BY: Leigh Litz

Five Star

This insurance has been a God send for me and Thor. Since bringing home my beautiful German Shepherd puppy six years ago, Thor has been plagued with health issues. Thankfully I made the decision to enroll him with Trupanion since puppy hood. They have paid all his claims without a problem. Well worth every dime. Their claims staff is also very helpful when I've had to call with questions. Will always recommend Trupanion.

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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