Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 63,001

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: Shelly Miller

Get insurance -- go with Trupanion

I have never been so happy about a purchase as I am with Trupanion. This is my first time with pet insurance, and I have so far had a great experience. Trupanion was very quick to pay my claims each time, and they are really good about staying in touch via email while your claim is being processed. I am so glad I have the insurance and that I have it with Trupanion. A friend of mine has insurance through a different company and her experience has not been nearly as positive.
5

out of 5

POSTED: | BY: Athena Winters

Quite satisfied

I insured my Doberman puppy when he was 4 mo old. Puppies being puppies, I figured he would end up getting into something. Trupanion said the younger the age I start the insurance the better because at his age he hasn't typically developed any problems. They cover illnesses that develop 30 days after being on insurance and injuries are covered immediately. They do direct billing with many vets in my home city of Calgary. I really like that as vet bills are often VERY outrageous. Vets sure like to over charge. They don't have a list available to show who does direct billing; too hard to keep track for them. It will be up to the insured to ask about direct billing with your vet. The insurance I got for Tracer was one that gave me the best coverage. Zero deductible-meaning I don't have to pay a certain percentage of vet costs before they cover the rest, with 90% reimbursement of my bill, minus the cost of the exam fee. Upon my first claim they expressed sincere concern. It was clear in the tone and pitch of the rep I spoke to that they love animals. I was provided with good customer service with a bit of a personal touch. I was given good direction as to what I needed to do for my 1st, hopefully last, claim. I received an emailed form to bring to my vet to fill out within minutes of calling Trupanion so I was able to get Tracer to the Dr quickly. This saved me from having to make two trips to my vet- one for my puppy & one to submit form. It helps if the vet assistants at the
5

out of 5

POSTED: | BY: Missy

Amazing- best decision we made!

Trupanion is reliable, very straight forward,and easy to deal with company. We have an English Bulldog puppy and in his 7 months of life he has already had two surgeries in which we probably would not have been able to afford unless we had Trupanion. They not only have enhanced the life of our Rocko but our lives as well by helping us financially and allowing us to take great care of our pet!
5

out of 5

POSTED: | BY: Elaine DePre

Reimbursement for surgery of a cruciate ligament

My rescue dog,Riley, tore her cruciate ligament while chasing a bunny. She needed surgery to repair the ligament and it was quite costly. We submitted a claim to Trupanion and within 2-3 weeks 90% of the claim was reimbursed to us after we paid the deductible. Riley also has an ongoing liver problem and Trupanion also reimburses us for 90% of the monthly cost for medicine. I am very glad that we made the decision to insure Riley.
5

out of 5

POSTED: | BY: Robert Peterson

So far so good!!

Awhile back I had VPI for medical. They kept raising rates and reimbursing very little. I decided to switch to Trupanion. At first with a high deducible, which we could rarely meet. We recently decided to substantially decrease the deductible; but obviously increasing the monthly premium by quite a bit. Out dog was getting older (10 years) and thought that at that age he 'might' be having more health issues. Well, just a few months after doing so he has had those 'issues'. At this point we have had well over $6,000 in vet and hospital bills. We are still in the process of his diagnosis/treatment. SO far, Trupanion has been VERY understanding and responsive. We shall see how the future goes, but at this point I only have the highest regard for Trupanion. They appear to be very compassionate and responsive. Time will tell, but at this point they have been MUCH better than the prior insurance company. Our Rocky is a miniature Schnauzer about 10 years old. He has VERY high blood pressure which the 'docs' cannot seem to lower or diagnose the cause. HOPEFULLY...this will be resolved soon. Rocky is our boy; part of our family. And this is VERY stressful times. It is good to know that we have a great insurance company who is there to help us through this medical issue. EVERY time I call Trupanion they are VERY helpful and compassionate. NOT like the other company. My suggestion...give them a shot!!
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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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