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: Janine

Terrific!

So friendly and so helpful and they process claims FAST. I am so thankful I have Trupanion in my corner right now as my dog is suffering from an unknown neurological syndrome right now and I would never be able to afford the diagnostics or treatment if I didn't know they would be there to cover so much of it.
5

out of 5

POSTED: | BY: Jennifer

Out of the norm disease diagnoses for out breed

I decided to get pet insurance for out new pup as he was a rescue and we were unsure of his past and any past health issues. I was glad we did for peace of mind but it turned out we needed it when our dog was having chronic diahrreah for just over a month. We were seeing the vet at least once a week if not more to run different tests and what not. The vet was finally able to diagnose our pup with Endocrine Pancreatic Insufficiency, which pretty much means our dog wasn't absorbing any of the food we fed him and he was losing a lot of weight. His diagnoses means a lifelong enzyme suppliment that he needs to take daily. Because we decided to get insurance they have helped with the costs of all the associated testing in order to get a diagnoses as well as cover his medications and even some of his specialty foods that were needed in the first few months of treatments. Not all diseases can be expected within a breed and our case runs very true for us. Our pup is a large breed mix which is most likely a wolfhound/Airedale mix but his disease is typically only seen in German shepards. But who knows, he's a rescue and we can't be certain of his mix. Great investment
5

out of 5

POSTED: | BY: ROBERT BARANOV

Good service

It took a while to get the vet to get all the information to the insurance company, but once they did, claim was handled promptly.
5

out of 5

POSTED: | BY: Tara

Satisfaction Garanteed!

I have had to submit two claims with Trupanion so far. Each claim was processed in a timely fashion and the staff at Trupanion were so helpful, kind and considerate. I would recommend them 110%!
5

out of 5

POSTED: | BY: April

denied, appealed, covered

I had my dog examined 7 days after my policy took effect because he had been coughing for a few days and it was only getting worse. To be exact, the coughing had been noticeable 2-3 days after the policy started, I watched it for a few days, then had a doctor look at him. He was diagnosed with Blastomycosis after diagnostic tests were performed. Trupanion initially denied my claim. They stated a policy exclusion that my dogs 'signs or symptoms could have been observable or reasonably noticed my myself or my vet' before I actually had him examined or noted his signs of being sick. I am a vet tech and work at a hospital, so I was able to have my dog looked at as soon as anything was noticeably wrong with him, so Trupanion's reasoning behind denying my claim was extremely stressful and frustrating. I had my dog looked at when I noticed something wrong, not like I waited for my insurance to start before I got care for him. I appealed the claim, at which point Trupanion asked for more detailed records and a note from the doctor. It annoyed me that they asked for more information after already denying the claim and me appealing it. They denied covering his illness again, but had a staff veterinarian call me to discuss my dogs case. It didn't take long talking to the veterinarian to decide that they should cover my dogs illness and the appeal would be overturned. She was very nice and tried to explain why my claim was denied so quickly. Basically because my dogs illness was so close to when my policy started, from an insurance perspective, I could have been waiting for it to start before getting care for my dog. Also, they try to close claims as quickly as possible. While I understood what she told me, it still frustrated me that they simply denied my claim before knowing all the information that was necessary to make the right decision. In the end, it all worked out, but I had to be proactive and deal with the stress of settling the claims for my dogs illness.
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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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