5
out of 5
POSTED: | BY: Harry
Quick professional responses and…
Quick professional responses and approvals of claims. Great company to work with.
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4.9
out of 5
Number of reviews 59,082
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: JasonG
The worst user experience possible
Whomever designed the customer-facing website and app for Trupanion must have been the CEO's slow adult nephew because I've never really seen such piss-poor technology in a modern day competitive company. I mean it is just a bug-ridden, disorganized, nonsensical, ridiculous mess. Everything from submitting a claim where you have to retype basic information that's clearly printed on the invoice over and over again, to changing your payment information which is deeply confusing on how it's laid out next to how claims are paid, to the fact that nine out of ten times when I log in it tells me my password doesn't work, to an app that can't understand credit card information when you put it in. The list goes on and on. It's really such a frustrating experience.
*****
Update after their response: it’s funny because every year that goes by as they raise my premiums, I reach out to them with my frustration about their user experience and every year I give them detailed feedback and every year I’m told oh yeah we’re working on it and every year, nothing changes. So no Trupanion I’m not going to send you yet. Another email detailing my frustrations. You have multiple emails from me. My last name is Griffith, I live in Stamford, CT and you can look it up.
5
out of 5
POSTED: | BY: Felicia Pettit
I can’t say enough about how thankful I…
I can’t say enough about how thankful I am that we enrolled our new puppy in Trupanion. Never excepted to have to use it, but 10 days having her home she had an accident and ended up with a broken leg. Surgery is going to be required and the peace of mind that we only are required to pay our deductible is such a relief during this already difficult time. We have had dogs for the past 30 years and never felt we needed insurance. Our puppy came with insurance and I thought what could it hurt to sign her up! Thank goodness we made the decision! Life brings unexpected turns and I’m so thankful for Trupanion during this one!
1
out of 5
POSTED: | BY: Andrew Messenger
greed is the game
Slow processing times, premiums have skyrocketed. At this point it’s not worth it.
5
out of 5
POSTED: | BY: Linda
With having a sick pet you have enough…
With having a sick pet you have enough to worry about to get your “fur baby” well and the correct care. It’s a comfort to know that Trupanion is there for you and helps take more stress off when they are able to pay your coverages portion before you check out if your veterinarian has them set up for direct pay. I’ve been with Trupanion since 2008 and will be with them many more! I can’t say enough great things about everything they have done for me and my pets when I needed to take them to the vet and thanks to them have added quality years to their life with me. Thanks.
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