Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 60,750

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: Marina Dawson

Amazing Service

I signed up my dog last fall when she was a puppy. I initially chose Trupanion because they were the only insurance company at the time that offered a hip dysplaysia component. I was initially very impressed with the personal and quick service I receieved when phoning to ask questions, and ultimately, when signing up. Just two weeks ago, I had my pup in at the vet for an ear infection. Trupanion was great - I had my reimbursement check in less than a week. Also, I logged onto their site prior to submitting my claim and used the "chat" function to ask a question. I was so impressed at the ease and speed of getting my question answered. I am a little disappointed that Trupanion doesn't pay for exam fees, but overall, I'm extremely pleased with the service we have received.
5

out of 5

POSTED: | BY: Lisa Dorey

Just Saved Lots of $$

I just enrolled today and have not yet submitted a claim. What I can tell you so far is that my previous coverage with another insurer cost $40 more per month, had a lifetime maximum of about $5,000 (my kitten is barely 2 years old), a $100 deductible, 90% coinsurance and their claims payment practices were atrocious. To get reimbursement for a simple claim, I had to send her medical history in 7 times, my vet sent same history in 4 times and the claim has still not been paid after 4 months of phone calls and emails. Trupanion is not only cheaper but the coverage is better: nil deductible, same coinsurance, but no lifetime maximum. I'd give you a 10 but you don't have microchip tracking.
5

out of 5

POSTED: | BY: Harriet R.

Peace of Mind when it counts!

About 7 months ago, after reading an article about Pet Insurance, I researched different companies and plans, and took out a pet insurance plan with Trupanion. It proved to be the best decision ever! My seven-year-old rat terrier was suddenly unable to urinate and he started to swell "down there." He was in a lot of pain! I rushed him to the ER and he was admitted immediately. Despite diagnostic tests and treatments, no cause could be identified, and he rapidly got worse. He was transferred to another facility within 24 hours...still no answers.. as he continued to deteriorate. The bills were racking up quickly, but I knew that I could make decisions for his care based on what was best for him, not as a function of finances. I was close to putting him down after a couple of days, when the vets gave little hope, but we decided to give it one more day to see if the antibiotics would kick in...and they did!! And then slowly, day by day, he started to recover! After a full week in the hospital -- and thousands of dollars later -- my pup came home. During his convalescence I had time to sift through the mounds of different bills I'd accumulated and start submitting claims to Trupanion. The customer support on the phone was very helpful, and the claims process was simple. Once claims were submitted, they were reviewed and approved within a days of receipt. I was emailed when the claim was received, if there were any questions, and notified when the claim was pai
5

out of 5

POSTED: | BY: Jasper

Tops in Customer Service

I am a new Trupanion client, but I loved that they contacted my vet themselves when I signed up, so I didn't have to mess with the paperwork. Trupanion's coverage levels are also much higher than other pet insurances. All pet owners hope they never need it, but it's nice to know I'm covered for just about anything that happens.
5

out of 5

POSTED: | BY: James P

TRUPANION IS AWSOME!!

Our 7 month old dachsund ate an object and after being x-rayed the vet said he would absolutly do surgery if it was his dog!He also said"This is why you Thank God you have insurance"and it was .The surgery went well and the bill was right around $2000.which Trupanion covered 90%.I would also recommend a lower deductable!Mine was only $50 and that was also helpful.Highly recommend Trupanion!!!!!!!!!
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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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