Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 62,999

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: Toni Chambers

Trupanion is the best!

Trupanion continues to impress. My Cavalier was diagnosed with multiple heart issues at age 2. Most recently we had to fly to Cincinnati from Vancouver Island for a life saving procedure to the time of $7800CDN. I submitted my claims and in one and a half days they approved 90% of the claim. I do not know what we would have done without them over the past 2 years! They also direct pay on the spot to approved vets in their program! Highly recommend!
5

out of 5

POSTED: | BY: Judy Ann Winkler

Saving Keka

I’m truly blessed by having taken the advice of our Veterinarian Doctors advice of “having taken coverage with Trupanion for my Havanese, Keka Lee‼️ Trupanion by far has the “best team/support customer service” they are caring, providing answers to my concerns also the team that does the reviews to pay or reimburse are most accurate, they expedite your clams in a timely manner‼️ My Keka Lee is requiring surgery to enable her longevity of removal of life threatening tumors and cysts, I can guarantee the Tampa Bay Specialist Veterinary Hospital and surgeon to provide and proceed scheduling Keka Lee’s surgery date knowing she and I will be covered by my Trupanion insurance policy and team there to recoup percentage of this life saving surgery ‼️Thank You Everyone at Trupanion Health Insurance for Helping To Keep Healthy Our Furry Blessed Friends ‼️ Happy Thanksgiving 🍁 🦃 to all‼️ Sincerely, Keka Lee and Ann Winkler
5

out of 5

POSTED: | BY: Robert Greenhalgh

Easily the best customer service I have experienced.

I was hoping to submit a review for one of your employees.   I had called Trupanion to cancel the insurance for my two fur babies.  I was transferred to Kailyn P.   She knowledgeably explained to me the benefits of continuing with the insurance plan that I have for both pups.  I understood the benefit.  As a direct result of this, I did not cancel the insurance for either pup. I would like to note the following: A) I think Kailyn did a great job clearly explaining the benefits of your program. B) I think Kailyn is incredibly personable and clearly cares about the people who have signed with Trupanion. C) I think Kailyn went above and beyond in our interaction. She followed up with a co-applicant in order to help have them assign me the account. This is something I have called in on in the past and I was never offered assistance with this in the past. Not one time. It has been an ongoing, irritating issue. Kailyn is solely responsible for its resolution. D) From a purely financial standpoint (important to you but not as much to me), Kailyn speaking with me is the only reason I was retained as a client. I think this level of service and the positive attitude are in short supply today.  For this reason, I think she ought to be commended.  I do hope you can tell that I believe Kailyn is quite an asset to Trupanion.
5

out of 5

POSTED: | BY: John Eisenhour

Easy sign up with Trupanion

Easy to navigate website, intelligent questions that were easy to answer. Very straightforward sign up.
5

out of 5

POSTED: | BY: Sherrie Wolf

Drew was amazing sent email and did what what asked to fix a In corrected billed item!

Drew was amazing sent email and did what what asked to fix a In corrected billed item!!

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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