5
out of 5
POSTED: | BY: Lanis Ray
Fast
Itâs always resolved quickly.
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
1
out of 5
POSTED: | BY: John
Trupanion will never pay you
Trupanion has been a nightmare. My wife and I cancelled a separate insurance policy because our breeder offered a no waiting period option with Trupanion. Our puppy almost immediately needed surgery for intussusception which was promptly not covered as a pre-existing condition. Fine. Then a while later she started to have diarrhea unrelated to the intussusception. All 4 subsequent claims have been rejected on the basis that diarrhea was a symptom of the pre-existing condition.
Great. So my wife and I call and get connected to “a pet lover” to help us out. Our vet treated the diarrhea as a symptom of giardia and confirmed it was unrelated to the surgery. On the phone the rep admitted to us that the later costs should have been covered, so we could get clarifying documents and submit an appeal. Even though the rejection was WRONG, we still have to go through additional work to get this rectified.
All insurance is a scam, but Trupanion is on another level. Nightmare company disguised as pet lovers. So far we have over $5000 in attempted claims and have not been paid back a single cent. Don’t bother with this company.
EDIT: today, yet another claim was denied wrongly. Trupanion will deny any claim if any symptom of a new ailment is consistent with anything labeled a pre-existing condition. The latest was a treatment for diarrhea caused by giardia, but was denied because diarrhea was a symptom of her intussusception. Our vet stated that the treatment was for diarrhea from giardia. Curse words are not strong enough to lay out how awful this company is. DO NOT GET TRUPANION INSURANCE.
5
out of 5
POSTED: | BY: Chris Howard
Well worth the peace of mind
Been insuring my pets with them for 10 years. They always come through. Most claims processed very quickly. I don’t have to give a second thought to giving my dogs the care they need.
5
out of 5
POSTED: | BY: stacy teasdale
Trupanion is always so easy to use and…
Trupanion is always so easy to use and simple coverage that’s easy to follow.
1
out of 5
POSTED: | BY: Andrea Snow
I want to give a zero
I want to give a zero. My dog Dino was wobbly and collapsed. So I took him to the ER. I had no idea what was wrong with him. I got a vet bill of $1400. Trupanion paid zero stating upset GI tracks are not covered. Not fair. I thought my dog was dying. Looking for insurance now that covers everything.
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