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: N/A

Tick Disease & Skin Infection

Wonderful company. Fast claim process and they really care about the animals and their health. Have recommended to several people and will continue. Friendly and concerned about the fur babies. :)
2

out of 5

POSTED: | BY: Christine Tobin

claims@trupanion.com doesn't receive email claims

I attempted 3 times to send claims to the claims@trupanion.com and apparently, no one received them. I even sent them to a person whose name I had and she said she never received them either, yet I have 3 confimed sent emails. So I am not sure what happeded. I finally went thru my emails and found a girl in the underwriters dept and I emailed her and asked for her assistance and I finally got around to sending them to her and she took care of everything. so I am not sure whats wrong with you claims@trupanion.com site but my claims went out to somewhere although I sent it to that website 3 times to no avail. this happened on another occasion but that was via fax. I like this company but they need to look into that email address because my emails with my claim forms attached sent to that email went nowhere, not once but 3 times.
5

out of 5

POSTED: | BY: Patricia Slotnick

excellent coverage, excellent service

Our 1 year 5 month old Welsh terrier showed signs of lethargy & poor appetite. After stays at the Emergency & personal vet hospitals, it turns out Radar had swallowed a piece of toy, causing an intestinal obstruction, requiring abdominal surgery to correct. He is now well on his way to recovery. I submitted the invoices to Trupanion & within 24 hrs and less, we had our claims processed. I also called customer service with a few questions & was given prompt & helpful information. The forms are also very simple & easy to fill out. In addition, I had some old invoices for other unrelated vet visits but they were past the 90 day submission requirement so I had not submitted them. Turns out, Trupanion has dropped the 90 day limit for claims & I was able to get those processed as well. We could not be more pleased with the service, coverage & excellent efforts by the Trupanion staff. Thank you!
5

out of 5

POSTED: | BY: Isabelle LeBlanc

Helpful and friendly

My Bichapoo wasn't feeling well and was coughing. I had to bring her to the emergency veterinarian since my vet had no appointments available for her. I knew my visit wouldn't be too costly since I had Trupanion to back me up. Trupanion handled my claim promptly and in a very friendly manner! I'm very grateful for their service!
5

out of 5

POSTED: | BY: Christina Pierce

Excellent service and care

Trupanion was great through the whole month of August in dealing with our cat Jack's sickness. We brought him in because he was not eating. We had exploratory surgery and did Biopsies to see what the problem may have been and Trupanion was great-working with our Vet and processing the claim immediately and covering the expenses at 90%. I would refer Trupanion to anyone looking for Pet Insurance.

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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