Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 62,999

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: Tamara

Frustrating experience

My first claim experience with Trupanion wasn't the best and I really don't think I'll keep it much longer. My French bulldog needed an expensive procedure so the rep told me to get a pre approval. Great, I thought, this will speed things along. Well, it didn't quite go like that because she didn't ask me for all the paperwork involved to get the procedure approved. So the day before the surgery I still didn't know they would approve it and if she would have requested all the paperwork involved instead of just sending me a form it wouldn't have been so stressful. Now they're raising my rate and I've only had them for a year and just filed that one claim. When I called to find out why the rep really didn't sound like she knew what she was talking about. I asked to speak with a supervisor and she said it would take 2 days for someone to be able to call me back. 2 days? What kind of customer service is that?
5

out of 5

POSTED: | BY: A. Camponi

Trupanion Excellent

Trupanion was so easy to deal with. I called in twice, once before we went to the Vet with Sarge and after when I was ready to submit the claim forms. Both folks I spoke to were truly caring about Sarge, his illness and that he would be OK. Also that I had everything I needed. We were traveling at the time so offered lots of options to help with the process. Sarge needed tests and medication and it was all covered. our claim was acknowledged as soon as they received the paperwork. The cheque to cover the expenses was waiting for us when we got home. And YES Sarge is feeling better. So pleased we got Trupanion.
5

out of 5

POSTED: | BY: Zori Cohen

awesome

great company quick reimbursement
5

out of 5

POSTED: | BY: Robin Keill

Amazing

I absolutely think Trupanion pet insurance is amazing. There are no hidden clauses that they will lower the payout amount if you make more than the national average amount of claims that other insurance companies do. They process claims in a timely manner and have lived up to their commitment to provide 90% coverage with no hidden clauses or hassles. I recommend Trupanion to anyone who asks about pet insurance.
5

out of 5

POSTED: | BY: larry marrazzo

the BEST

I am spreading the word to family friends and work friends who own a pet to get the best insurance for there little friends with Trupanion. Trupanion is caring and very responsive and do care about every single family member of the trupanion family

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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