Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 63,005

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: Deborah Henson-Conant

What a Feeling of Relief!

It was an amazing experience. To experience the relief of having insurance at a time when I'm so deeply worried about my pet is beyond words. I almost started crying with relief, feeling I'm not alone in caring for this furry companion. Not only would I recommend Trupanion but I DID recommend it to everyone in the waiting room - and I didn't even have to try. My grateful reaction was enough to have people literally ask me if I would recommend it, and where to get it. I could respond with a resounding "YES! And you can get it right here!" Since then, I've told the story many times, recommending it to others as well. Thank you, Trupanion!
5

out of 5

POSTED: | BY: Melissa Mistretta

The woman I spoke to was so helpful and reassuring.

The woman I spoke to was so helpful and reassuring. I believe her name was Vanessa. She was so sweet.
5

out of 5

POSTED: | BY: Marilyn Kerr

Thank God for Trupanion

Filing a claim is easy, when you call to speak with a live agent they do their best to answer your questions
5

out of 5

POSTED: | BY: LH

Very satisfied customer

My dog swallowed a tennis ball and needed to have his stomach opened to remove it. What was already a stressful time was compounded by the fact that the vet bills for his surgery were in excess of $12,000. Trupanion direct bills with our emergency vet and approved all charges before he was discharged. They paid 90% of all expenses after I paid my deductible and exam fees. I had a few questions during the process and trupanion’s customer service answered promptly and were very helpful. I am extremely grateful for our coverage and surprised by how smoothly the process ran.
5

out of 5

POSTED: | BY: Giovanni Tato

Best Decision Ever

After reviewing and comparing multiple insurance plans for my dog, I opted for TruPanion. I figured I haven't ever really dealt with any emergencies before, but it would good to have it just in case. Less than a month after signing up, my dog suddenly went anaphylactic. I rushed her to the vet and for 3 days transported her from day-vet to overnight-vet for continuous treatment. They said she had about a 20% chance of living. She made it through because I was able to have zero stress about the bills, and she was able to get top-notch medical treatment. I cannot imagine adding the stress of medical bills to my decision making in regards to her treatment. Trupanion, despite only having me as a client for one month, asked ZERO questions, and approved every invoice quickly. This allowed my sweet dog to be treated promptly. I sincerely believe that things may have gone differently had I not had the support of TruPanion. So, yeah, best decision ever!

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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