Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,943

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
1

out of 5

POSTED: | BY: Mary ann Neff

Hereditary in their books doesn’t really mean they were born with it.

After reading their response: It looks like the same answer they give others when they can’t overcome the problem with their word of hereditary. And they hope my pet is on the mend??? Come on man, she will not mend from this condition unless she has a corrective surgery on both legs. Being born with this is only going to get worse and cause more problems and more pain until she gets them corrected. And to think they will never cover this condition that is hereditary and being born with it! Makes me so sick that they don’t even care. Do not believe the word Hereditary I purchased my tiny yorkie girl in July at 12 weeks old. I researched pet insurance companies and because she’s was going to be so tiny, I wanted her covered. So many small dogs can fall off of things or get stepped on. Also, yorkies are a breed where laxating patellas, liver shunts etc are common. I wasn’t going to chance her not having the best coverage. When I read they covered hereditary conditions, I didn’t hesitate to enroll her at a very young age along with buying her stairs for the furniture and bed. 5 days before her 30 day waiting period was up, she was lifting her back left leg. Being so small, I took her in to get looked at. Vet said she was born with laxating patellas and they will most likely get worse. Now noticing her little legs are collapsing, I took her in last week for her well puppy check...she’s now 16 months, and now they are at a grade 3-4, and again, this other vet who is a surgeon said she has little or no groove for her patella to ride in. She was born with it and It is obviously a hereditary condition. If she doesn’t have surgery, she could possibly put to much pressure on her crucial lig and that will tear. So I sent in a pre-approval and she got turned down because I took her in 5 days prior. “But it’s hereditary I said....she was born with it” “Both vets said she was born with this condition “. They didn’t care. BEWARE..... they do not stand by their word of “hereditary”. That word isn’t the same thing you and I Believe it is. DO NOT BUY pet insurance from them thinking they’ll cover your beloved pet for a hereditary condition. I’m so disappointed in this company, and I want everyone to know how unhappy I am. They will take your money, but will not cover a hereditary condition that you pet was born with BEWARE
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5

out of 5

POSTED: | BY: Ky Stark In the North

I'm a customer for life.

They were there for me when I needed them and showed great care and concern during a very difficult time for me. My claim payout was quick as well.
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5

out of 5

POSTED: | BY: Lindy

Great experience with Trupanion

While dealing with our pets injury was really hard, Trupanion was amazing. Really easy and everyone worked so quickly. I'm happy to recommend to anyone and we already have!
5

out of 5

POSTED: | BY: Hal

Very helpful

Very helpful
5

out of 5

POSTED: | BY: Amy

Trupanion has been wonderful to deal with.

Trupanion has been wonderful to deal with. Prompt paying claims and helpful staff.
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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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