Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 63,007

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
3

out of 5

POSTED: | BY: Judy Kersten

May drop coverage

This is my first dog and I wish I knew about Health insurance for dogs before I got her. As a puppy, she had some vomiting and diarrhea problems right away. Initially Trupanion covered our claims related to dehydration, but after requiring an abdominal ultrasound to diagnose her problem, Trupanion informed us they would no longer cover digestive issues, claiming they were preexisting. Very disappointing. We are considering dropping coverage because this is her predominant issue, and although she is greatly improved, if “digestive issues” are no longer covered, the cost of continuing coverage with no benefit is of no value to us.
5

out of 5

POSTED: | BY: Nicole Aufdemberg

Peace of Mind!

I can't tell you how much it means to me that Trupanion jas my little girl covered. She fell ill suddenly and if it hadn't been for insurance, I am not sure how we would've been able to cover costs that saved her life... literally saved her life. Thank you so much trupanion for your kind customer care, your quick review of claim and ease of claim submittal. I am forever grateful.
5

out of 5

POSTED: | BY: Patricia Braille

Never disappointed, Always fair and prompt

We HIGHLY RECOMMEND Trupanion as coverage on your fur babies. This is the first time we ever purchased insurance for our pet. Our full breed Silver Lab is highly active and adventurous. There’s NO hesitation to bring her to the vet for care. We have Never had to make a decision to not provide care, especially with inflation. Trupanion looks over the claims, and they pay 90 % of the visit. After, First meeting a $250 deductible for the condition , office visit fee and wellness portions. That seems like your not getting much, but trust us. The bills add up. Our baby has allergies, she’s on medication pills and injections . We met her deductible 6 years ago. For ALL Her medications , we receive 90%. She had surgery on her hind leg, $7000 and rehabilitation. We got back $5654. Again we highly recommend getting your family members ( fur babies) coverage. Great company!
1

out of 5

POSTED: | BY: Veo

Save your money. Say NO to trupanion

Years of paying premiums only to get nothing when you submit a claim. Paid $9 of a $1500 bill after waiting a month to even get the claim reviewed. Save your money don't give it to trupanion. After posting this now trupanion wants more info... maybe you should be quicker to review your claims than your negative reviews. I have already canceled my policy. Complete waste of money for years.
5

out of 5

POSTED: | BY: Linda Cuddie

Always professional work quickly very helpful and will answer questions or fix problems without hesitation.

Always professional, work quickly, very helpful and will answer questions or fix problems without hesitation. They pay either the vet or you very quickly, premiums are reasonable. I have already referred this company several times.

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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