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
2

out of 5

POSTED: | BY: Alex

Longer waiting period for enrolling on Sundays/Holidays

Used to be really good but now I am getting really frustrated. I signed my new dog up on 1/15/23, which was a Sunday night and Monday was MLK Jr day. There must have bee. Some issue or delay with her coverage going into effect because they claim her enrollment date was 1/17/23. That is impossible as my mom is the primary with the password and due to work was out of town and unreachable starting g 1/16/23. I didn’t realize it until recently because I was preparing to use my coverage for the new dog, and learned that, not only will it might not be covered (only way is if it is for an accident), but they refuse to backdate her enrollment to the correct date. I never would have risked doing the pre-surgical panel beige her spay, which is 22 days out, before the waiting period is over because that would be stupidest. The vet did the panel on 2/15/23. They are saying some of the results could declare certain things pre-existing, again from an error on their end. I have offered to email over proof, and they refuse to work with me and accept anything. They will not own up to their mistakes. On top of that, they are claiming dental procedures, such as extractions, will not be covered because her records from before I adopted her said dental disease, even if she has a dental and the disease goes away, it will always be pre-existing. It’s not right to consider something pre-existing on an now 10 month old puppy before I got the dog. If they were not the only ones to be able to pay the vet directly, I would cancel my plan. Used to be easy to work with, but they have become difficult recently.
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5

out of 5

POSTED: | BY: Randy Cox

Customer service is always the very…

Customer service is always very friendly & helpful. Very patient explaining what you’re inquiring about. The never rush you. The claims pay very promptly and they coordinate with your pet’s doctor and make payments directly to them. No having to pay then get reimbursed. Love Trupanion
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5

out of 5

POSTED: | BY: M.N.

Excellent

My dog had surgery in the past and was recently hospitalized for heart issues and fluids in the lungs. She stayed two nights at the ER. Both times I had an excellent experience with Trupanion. They were supportive, quick to approve estimates and they paid the reimbursement very quickly. Both times they paid 90 percent of the bill. I am very happy I made the decision to have them as my pet insurance.
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5

out of 5

POSTED: | BY: Susan Kosko

Allergies

Our Cody has horrible allergies. Cytopoint injection did not work this time through. Had to add in Apoquel. Both medications cost us a lot. Fortunately, Trupanion covered the expenses and all we had to pay was our copayment since we already met our initial deductible. Easy process to file claim too. Highly recommend. Helps you to focus on your pets needs, rather than the financial burden.
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5

out of 5

POSTED: | BY: Cindy Crenshaw

My 13 year old boxer Mocha

I have an 13 year old Boxer and in the last the 8 months her health declined and I wanted the best care possible. It was nice to know I had the insurance to cover her needed care. On 2/17/2023 I had to make the awful decision, even part of that was covered. I can't thank you enough for your support. If and when I get another dog, Trupanion will be my first call.
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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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