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
1

out of 5

POSTED: | BY: Marie Bokker

Horrific Experience with this company

I was looking for insurance that offered more coverage so switched from Healthy Paws to Trupanion. Big Mistake. I called first to make sure there would be no pre-existing condition clauses before I did and was assured there would not be so I signed up and canceled Healthy Paws. My puppy had two incidents, one was when he ate through an electrical cord and the other was for shaking for some unknown reason. Trupanion decided these two incidents constituted a foreign body exclusion on his policy. Even after I verified prior to joining it would not be. There was never a foreign body found in my dog. His shaking ended up being from fear of an appliance in my home. Trupanion decided they would not cover any bill for foreign body because of those two incidents. Again, was proven he had NO FOREIGN BOBY. I was able to go back to Healthy Paws and they agreed, no foreign body. DO NOT CHOOSE TRUPANION. They lied to me, misrepresented themselves to me and falsely claimed my dog had a foreign body when all medical records showed he had not. The person I spoke to before deciding to switch from health paws to them stated he was one of the founders of the company to try to get me to sign up. I later found he was not. Total dishonesty. DO NOT CHOOSE TRUPANION, THEY ARE DISHONEST.
4

out of 5

POSTED: | BY: Piper Jennings

I had to cancel my insurance due to…

I had to cancel my insurance due to money issues, but this company is wonderful. There was a mix up with my billing and I reached out to their 24hr customer service line. They were very nice even though I was not at first. They helped me out and got the issue resolved. The next day there was another issue. Again I was upset but they were very nice and fixed it immediately. I could not have asked for better customer service. They were wonderful just wish prices were more affordable!
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5

out of 5

POSTED: | BY: Wilmer Carroll

Excellent service and quick payout

Our 7 month old Clumber Spaniel swallowed a rock. The Vet successfully removed the stone and we filed a claim as soon as Nicholas was home. Trupanion acknowledged the claim and kept us in the loop while doing their due diligence. The funds were deposited in our bank promptly. We highly recommend Trupanion, as did our Veterinarian.
5

out of 5

POSTED: | BY: Linda Werz

From Vomiting and Lethargic to THRIVING!

I carefully researched numerous pet insurance companies and tried to find all the fine print to carefully compare. Finally, I settled on Trupanion for several reasons: 1. For any new particular medical need that arises, such as chronic kidney disease that our Libby developed, we pay the first $500, then Trupanion covers 90% of all treatment and medications needed FOR THE REST OF LIBBY'S LIFE! There will be no additional co-pay requirements when the year ends as with other companies. (Check the fine print of other companies for that!) 2. For any particular medical need, there is NO CAP! Trupanion will not stop paying 90% of the medical bills for the life of our pet, Libby! Most companies I researched listed dollar figures for CAPS, the maximum amount they will pay for a particular need. 3. Additional add-on: for a little more we purchased an optional coverage package that adds certain treatments that could be beneficial. We placed zero claims until Libby was 8 years old and suddenly showed signs of an illness. She started vomiting and became lethargic so quickly! It turned out to be chronic kidney disease and we feared she might die! She was lethargic and like butter in my arms! After several nights in the emergency hospital, she stabilized and we brought her home. Now she is on a special diet, supplements, and receiving acupuncture treatments (covered by the optional coverage package we added). The medical bills have really added up for this 1 illness but Trupanion made it very manageable because they are covering 90%, AS PROMISED! Libby is THRIVING and we are beyond thrilled! Any pets we have in the future will be covered by Trupanion! Linda, (Libby's Mom)
3

out of 5

POSTED: | BY: Eric Cheezum

Rates continue to increase and there are other pet insurance companies offering more coverage for less $.

Rates continue to increase and there are other pet insurance companies offering more coverage for less $. I wasn’t even asked why I was canceling? I’m in sales and I’d be asking that question of my customer? Customer retention is not a new concept.
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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 Pet Insurance detail
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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