5
out of 5
POSTED: | BY: Angela Weathersby
My Little Bentley
It was really easy to sign up and the benefits for my little Bentley I could not have found anything better ??
4.8
out of 5
Number of reviews 62,992
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: Valerie or Greg Winsauer
Great experience with Trupanion
I have been telling all my friends with Dogs to get Trupanion!!
5
out of 5
POSTED: | BY: Debra Ellis
Don't know what I'd do without Trupanion
Claim filing is always easy with Trupanion. And the 90% coverage is great!
4
out of 5
POSTED: | BY: Abundant1
I appreciate Trupanion…
I really appreciate that Trupanion understands the pet owner's concerns, especially with regards to upfront costs. I have had clear, and proactive communications from them, so there are no misunderstandings, or lack of availability for their services. I have reserved the 5th star for when I actually use the insurance. But for now, I am happy to acknowledge and promote their company.
1
out of 5
POSTED: | BY: Andrea Rothberg
I purchased pet insurance through my…
I purchased pet insurance through my vet for my 1 year old standard poodle about two weeks ago. This was following a vet visit two weeks ago where my dog had issues with his eyes, later confirmed uveitis, and also had issues with regurgitating. He was diagnosed with regurgitation at the time and given a regimen of famotidine and GI diet for this issue. Vet noted no swollen lymph nodes at that time. In the course of a weekend, he stayed about the same and I called the vet about my concerns that the first visit did not adequately address his eye issues. Met with vet again, eye issues were confirmed to be uveitis. Also vet requested to take X-rays due to concerns he may have invested something or have congenital GI issues. We instead found swollen spleen and enlarged heart on X-rays and vet suggested concerns of tick borne illness or cancer. We agreed to test for tick borne pathogens, and he later tested negative. We then discussed that he seemed to be responding well to antibiotics and what else this could be. Agreed to test with lymph cytology, which two days later confirmed lymphoma. At the second vet visit after I had already purchased the TruPanion pet insurance, my 1 year old poodle was confirmed to have swollen lymph nodes. These per vets comments were not swollen at time of first visit where I signed up for insurance. Lymphoma in young dogs is not usual and when it occurs is often very sudden and acute. My dog clearly has acute lymphoma, as he was healthy three weeks ago to best of all our knowledge. Also he was regurgitating but that preexisting the lymphoma sm he had been doing since I first purchased him at 4 months of age. He saw the vet a various amount of times prior to ever becoming sick with lymphoma and you all are still refusing to honor the insurance suggesting it’s a pre-existing condition. Thank goodness my clients aren’t refused treatment with their own health insurances due to “pre-existing conditions” as your company does. Otherwise their treatment could likely never happen and the mental health issues they experience would severely worsen. I have seen so many people since the start of COVID and thankfully never once had to tell them no sorry your insurance e won’t cover your depression treatment or PTSD treatment because based on my clinical impressions it pre-existed the start of COVID. This is a shameful policy, and in my case isn’t even the case. I will NEVER buy pet insurance with your company again and will be a loud advocate against your insurance and your policies.
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