Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 63,015

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: Marc Wigler

Trupanion Pet Insurance is AWESOME!!!

Trupanion Pet Insurance has been awesome. While we have had this insurance for the last 5+ years, it wasn't until now that we needed to use it. BOTH our vet and doggie cardiologist automatically submitted the claims for us upon check out and we only had to pay the difference after meeting our deductible. Also, submitting claims online could not be easier. When I have called them as well, the Customer Service Reps have all been kind, caring, friendly and courteous. I would HIGHLY recommend them.
5

out of 5

POSTED: | BY: Janene

Trupanion is truly amazing

Trupanion is truly amazing! We have had them for our 16 month old lab Emma and they have been great! We recently got a new 6 week old lab puppy Sadie. Trupanion gave us 30 days of free insurance for her. We had already signed her up for Trupanion. She was diagnosed with Parvo. Had to be hospitalized. Trupanion paid 90 percent of her bills and we had just signed up and had not even paid any premiums! Thank you so much for helping up save our baby Sadie’s life!
5

out of 5

POSTED: | BY: Cathy

We recently lost our 18 month Maltese…

We recently lost our 18 month Maltese puppy to some form of meningitis. It has been one of the most painful times. Trupanion was a blessing and supported us all the way through with timely payment benefits and automatically refunded our last policy payment when she passed. We now have two new puppies and thrilled to sign up with them again
5

out of 5

POSTED: | BY: Robin Mays

Very rapid response to claims.

Very rapid response to claims.
1

out of 5

POSTED: | BY: Kelly

Do Not Recommend

I have had a terrible experience with Trupanion. I took my dog to the vet for excessive vomiting, as she was vomiting 15 times in 3 hours because she ate something toxic. She ended up being fine, and I submitted my claim to Trupanion. Since my puppy vomited 2 times in the past, when she was 3 months old, during the time she received her puppy shots. Trupanion is calling my puppy's near-death experience a 'pre-existing' condition. Since my puppy vomited in the past, they now claim that this is a pre-existing condition for her. I am going through the appeals process but will most certainly be canceling my membership once (or if) this even gets sorted out. Watching my dog being so sick and then having multiple representatives tell me that this is because of a 'pre-existing' condition is disgusting. I signed up for Trupanion because of the positive reviews and the care I thought I would be receiving from my pet after speaking to representatives on the phone. Instead, if feels like they don't even care that my dog almost died, as long as they get my monthly payments, which are also going up because I moved states. Being told that my puppy's near-death experience is because of a pre-existing condition is disgusting, disheartening and rude. I will never trust my claims with this insurance company again. I do hope others have better experiences but this process has been an absolute nightmare and I would not recommend my friends to use this service. Update: I have provided my details to Trupanion upon request and still haven’t heard from them.

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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