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
1

out of 5

POSTED: | BY: Joan White

If I could give a -20 I would

If I could give a -20 I would. They convinced me to switch to their company from my current provider - Fetch. Now they won't honor a claim. $1500 gone!
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3

out of 5

POSTED: | BY: Gwen Stevens

Pet Parent

I had to call Trupanion Customer Service twice to get an update on my claim that was taking a long time to be settled. The first time I called it was more than 3 weeks after I submitted the claim. They said it would be another 7-10 days, and they were waiting for my dogs’ records from her Vet. They had already received them the week prior. I called a second time after the 10 days had passed, and the Rep said it would probably be another few days or so. I asked how many days, and she would not give me a definitive answer. All I was expecting was an honest timeframe. I have submitted claims with Trupanion several times during my senior dogs’ lifetime, and they have been settled within one to two weeks. Not this time! And the communication was not up to their normal standards. Frustrating and disappointing.
1

out of 5

POSTED: | BY: Amy

Buyer Beware

Buyer Beware When I inquired about Trupanion insurance, the rep on the phone was wonderful. What they don't tell you, is that anything you say to your vet during the waiting period will be noted and used against you as a pre-existing condition. My puppy ate a sock and I brought him to the vet on 1/4/23 (this was my first day of accidental coverage) and on 1/5/23 he needed surgery to remove the sock. Trupanion denied my claim stating that it was prior to my coverage for accidents and it wasn't because coverage began on the 4th. They are calling it a pre-existing condition and will never cover that type of claim. Research other pet insurance companies and talk to people who have Trupanion before signing with them. Never ask your vet anything. When we first got my puppy, I thought he was itching a lot. I asked the vet about it and the vet made that notation. The vet told me to try different food (which was not noted). The itching stopped. Since I asked the vet about the itching, Trupanion noted this and stated in my pets summary that if something happens with itching it may not be covered. If you have Trupanion, you cannot talk to your vet (vets write notes of what you say and leave it at that) or else it will be considered a pre-existing condition. Trupanion does not tell you anything negative when you call to inquire about the insurance. I am very unhappy with Trupanion. I never had pet insurance before because I really didn't think any pet insurance would really cover anything. I'm thinking I was right to begin with:( Amy LaGrangeville, NY
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5

out of 5

POSTED: | BY: Lynda Welter

Claim is processed quickly and paid immediately to my vet

Claim is processed quickly and paid immediately to my vet
5

out of 5

POSTED: | BY: Michelle Grams

Pet Insurance is a must!

Diane was very knowledgeable and nice.
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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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