Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 62,998

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: Emily Bowers,

Trupanion saved my dog!

I have a 2 year old chocolate lab and I had stepped out of the house for just a few minutes and I came back to find that my dog had eaten her body weight in dog food. Silly me, I had forgotten that I had left the open bag on the floor. Thankfully I am a veterinary technician and know the signs of bloat and recognized them right away. I called my vet and took her to the hospital right away. Radiographs confirmed what I had suspected, food bloat! My vet recommened that I take her over to the ER for at least overnight care/monitoring. Once at the ER they gave me 2 options, overnight monitoring with frequent walks or pump her stomach. I chose to just have her monitored since she was stable. The next morning I went to pick her up and she had done great! The techs and DR's at the ER gave her amazing care. None of this would have been at all possible without Trupanion! I now recommend this insurance company above all others! It's so easy to submit your claim and you find out within minutes what they will cover and what you will pay out of pocket. Trupanion saved my dog!
5

out of 5

POSTED: | BY: Gladys Evelyn

Helpful Insurance Agent explaining the Claim

I phoned to ask about cost of tests that the vet said Charlie might need if the problem persisted. The insurance agent explained what the estimated cost would be and he told me about getting the test pre-approved because the test was expensive. Lucky, for us Charlie got better but we now know what to do if the problem arises again.
5

out of 5

POSTED: | BY: Ryan Kandasamiar

Amazing

Very good service, on the phone or via email for claims!
5

out of 5

POSTED: | BY: Arlene Shapiro

Warm, caring lifesaver!

My dog had a severe allergic reaction to accidently ingested peanuts and stopped breathing! We rushed him to our vet who ran inside with him to attempt resussitation. After the 20 longest minutes of our life, she returned him to us. But his breathing was labored. She advised us that he needed overnight care at the local, (extraordinarily expensive) Animal Hospital in case he stopped breathing again. In view of the expense, she also suggested we could stay up all night with him, offering to show us how to resusitate him. We knew we could afford the safest, best treatment because we had the best pet insurance in the world: TruePanion. Not only did you respond promptly to claims filed by both our vet and the animal hospital, saving us from financial hardship, but he did stop breathing again during the night, so you helped to save his life, by allowing us to pursue the best medical care for the love of our life! Thank you Trupanion. We love you.
5

out of 5

POSTED: | BY: Dusty Reid

Thank Goodness for Trupanion

Our 2 year old cat Boo was attacked by my sisters' 2 Irish Wolfhounds on July 5th 2014. Boo then spent 2 months at our local vet clinic. She had 3 surgeries, did not eat for over 45 days living via a stomach tube but finally came home in early September. She was emaciated, bald all over and exhausted. The cost was over $10,000. Trupanion was with us every step of the way with prompt email updates, payment directly to the vet and even a refund check at one point. I spoke to them once on the phone and the rep was kind and helpful otherwise, we had to do almost nothing. Honestly I have never had such an easy, satisfying insurance experience, especially considering the cost and that it was for a cat! If we did not have insurance, my plump healthy cat would not be sitting on my lap making it hard for me to type this and purring right now. There is no way we could have afforded to save her. I would recommend Trupanion to any pet owner.
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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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