Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 62,992

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: Steph W

Trupanion brings oeace of mind

Our dog has had a relatively uneventful 11 years from the perspective of health care. But when he hit 11 things changed. He has had a very challenging year with health struggles. Trupanion has been there for us the entire way. We didn't have to argue or debate with them. The claims process is easy. They have brought us peace of mind. I have friends that have bounced across different insurance companies for their pets, and I tell them every time: just pick Trupanian!!!
5

out of 5

POSTED: | BY: C Scherff

I would rate Trupanion 10 stars if I…

I would rate Trupanion 10 stars if I could! Insurance is one of those things you hate paying for if you don’t need it but when you do and it is as good as theirs you are so thankful you have it! Getting this insurance on my dogs as soon as I got them as puppies was one of the best decisions I have made! My beloved Boston Terrier was on lifelong allergy medication that was covered at 90% every month. This past spring she was diagnosed with a brain tumor and saw neurology and oncology and received stereotactic radiation therapy, none of which I could have easily paid for otherwise. She was only 7 years old and I really was hoping this could give her a chance since she still had a pretty good quality of life. The same week she was going for her radiation, our other dog got a foreign body obstruction and was in the ICU for 5 days! Trupanion made this stressful time manageable for us since we knew we could choose to take care of our pets with the best healthcare and not go broke doing it. Unfortunately our Boston Terrier ultimately did not survive her cancer but when I submitted her last claim Trupanion paid it out and sent a separate email with condolences and an automatic closure of her account which was amazing as I didn’t have to call and talk to anyone about this sensitive matter. Trupanion is an amazing company. Yes their premiums occasionally go up but they have paid me way more than I ever paid them due to the issues that came up with my dogs. The few times I have engaged with their customer service has always been pleasant and helpful. I am so thankful for this company and will always sing their praises!
5

out of 5

POSTED: | BY: Anthony Armetta

Anthony - Olivia's dad

I never really thought I would need this service but I also never thought I would hear that my Dog had cancer. Trupanion has been there helping me through a dark time in my life.
5

out of 5

POSTED: | BY: Robert Browning

Baxter

You guys are the best.
5

out of 5

POSTED: | BY: Robert Boyd

Everything was handled in an efficient manner and instructions were easy to follow.

Everything was handled in an efficient manner and instructions were easy to follow. However, Trupanion was supposed to have contacted our Vet. to get the final report however I don't think that has happened as we have not been paid as yet.

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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