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: Patty

Trupanion was recommended by our…

Trupanion was recommended by our veterinarian when our pups were 8 weeks old...we started with them and 4 years later, we are still with them. We have a female with idiopathic epilepsy. If we didn't have Trupanion, she wouldn't have lived this long. They have covered everything except for copays, which have been affordable. I think Trupanion is a wonderful pet insurance company! One of our males was recently found to have a broken tooth and while Trupanion doesn't cover the teeth cleaning the vets did, they did cover the tooth extraction! So happy about that!
5

out of 5

POSTED: | BY: Live Lena

The best pet Insurance EVER

The best pet Insurance EVER! I have surgery coming up for my little kitten and I emailed them for pre approval, got respond back within a few hours with 90 % coverage 🥹🤩 then I wanted to make sure I see things right , I called the company. Was on a phone with amazing person who even explained that they can pay directly To the clinic and I won’t have to claim bills and wait for a refund anymore. Simply amazing service . If you are serious about your pet health then consider this company as one of the best on a market. Thank you for being there for my little guy 🥹❤️❤️❤️
5

out of 5

POSTED: | BY: Amy Reese

Best pet insurance

Everyone is always so nice and when I send in a claim they pay you back so fast !! Hands down the best pet insurance ever!!!!!GREAT JOB TRUPANION
5

out of 5

POSTED: | BY: Liz

Allows for preapproval

My almost 2 year old dog randomly started having vomiting and diarrhea without the insurance the visit wouldve been 4000 but with insurance we only had to pay 1500 (1000 deductible that we chose)
1

out of 5

POSTED: | BY: Dana L

I signed up for Trupanion’s free 30-day…

I signed up for Trupanion’s free 30-day trial after receiving multiple reminders, thinking it couldn’t hurt to try. Pros: No credit or debit card is required to sign up for and use the 30-day trial. Cons: The policy doesn’t cover anything until you meet a deductible. Submitting receipts from the vet to Trupanion only results in an email confirming that the amount was applied toward your deductible, with no actual reimbursement. Overall, I found this frustrating and not worth the time. Rather than paying into this “insurance,” I recommend putting that money into a dedicated savings account for your pet. When they need care, you can pay directly and avoid the hassle of dealing with an insurance policy that doesn’t provide immediate coverage.

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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