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
Trupanion representatives have made the most difficult of times easier by being efficient and extremely caring. The submission process is streamlined and payout very prompt. Thank you for everything you do for our family.
Absolute worst customer service and company ever. I have never left a review before but I can't with this company and want to warn everyone to never use them!!!
Shop anywhere else or just put the $150 they're making you pay into a savings account for your dog/cat. You'll probably end up never using it and then just have a treat for yourself.
Started paying for pet insurance for my dog as a puppy which started at $50. Today, they have upped it to $150 and I have never even used them.
I have given them over $8,500 in the years I have had them and they just up your monthly payment whenever they want and if you want to pay a lower one, they only offer one choice which is, they will make you pay a higher deductible to lower your monthly so it's not really helping at all.
Please please please go anywhere else to get pet insurance or again, just put it into a savings so companies like this can't screw you over.
1
out of 5
POSTED:
| BY: Michele Langley
Double Charging for Per Diagnosis Deductible
So, I posted a review about their overinflated pricing and how every year my insurance has gone up by 50% since I've had them for the last 3 years. So, I called them today to discuss my dog's dental procedure, which is partially covered. I had the same procedure done before and paid my deductible, so it should be satisfied, but because I had to increase my deductible to lower the monthly cost due to their inflated increase, I was told that now I have to pay the deductible again. That I have to pay the difference between the last satisfied deductible and the new deductible amount. I satisfied that deductible long before I increased my deductible. I should not have to pay another deductible. I wouldn't have had to raise my deductible in the first place if they didn't increase my insurance rate by 50% year-over-year. They also listed it as a fractured tooth when it was actually enamel hypoplasia, so let's see if they try to make me pay the entire deductible and try to say it's something different because they classified it under the wrong diagnosis in the first place. Also, after my last review, Trupanion responded and asked for my policy number so they could reach out to me, which of course they never did. This is the worst insurance company, and by far the most expensive pet insurance company in the entire United States. Maybe if you live in the country the prices are fine, but if you live in the city, you are being reamed by them. I guess we're being overcharged so that the people that live out of the city can keep their lower rates. Anybody that I referred to them has now left, and after this phone call today I will most likely not be staying with them either. Especially not when I can have a $250 annual deductible, 90% reimbursement, no annual limits, and no extra charge for physical therapy or acupuncture ( I pay an extra $25 a month with trupanion), for $146 a month, which is less than half of what my new rate is, which is $346 a month. And now I'm told I have to pay my deductible again because I had to raise my deductible 6 months after I had a procedure done that satisfied the deductible? I don't even know if that's actually legal, I'm going to file a complaint with the Better Business Bureau if they charge me that extra $75. My insurance is scheduled to renew and go up in November, so I have until between now and then to figure out where I'm going to go, because at this rate, I'm going to be paying $800 a month in insurance within the next 5 years.
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
