Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,099

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

VETERINARIAN: VCA Animal Hospitals

POSTED: | BY: Thomas

Total rip-off

I would give Trupanion a negative-five stars if that was available. A total scam. I have paid in $12,000 and when I finally brought my dog in for the first ever time for a leg injury, they would only pay $321.97 of a $1,283.30 emergency vet bill, thereby leaving me to pay $961.33. Their reasoning? First a $500 deduction on EACH visit for a new "ailment", not the annual onetime $500 deductible that is common for health and prescription coverage, which I could have accepted. They would also not cover the emergency exam, nor the resultant prescription (because it was not a "category" they choose pay for). After so many years of paying them, I immediately canceled...
5

out of 5

VETERINARIAN: Maine Vetrenairy Medical Center

POSTED: | BY: Emilie

Rudyboo

We have had TruPanion since 2013, the year my boys were born. I can’t say enough about their customer service, compassion and all over knowledge. We’ve used it maybe 4 or 5 times over that last eleven years but we’re always so grateful we had it. Has saved us literally thousands of dollars. Really worth trying to fit it into your budget, as I have as a senior on Social Security, but my boys are worth every penny. Thank you, TruPanion, from Rudy and Bandit, too!
1

out of 5

VETERINARIAN: Knowles Snapper Creek

POSTED: | BY: Michelle

Great until they start raising rates

Started out affordable, then raised rates by double or triple each year up to over 2300$ a month for one dog. Started hassling about claims, blatantly said they didn't want to pay that much any more.
3

out of 5

VETERINARIAN: Plessis Veterinary hospital

POSTED: | BY: Olena

So far it is not level of service I've expected:(

Were at the vet .08.18.24.They did some lab work and prescribed antibiotics for my puppy. I already paid (two payments)twice to this insurance company, we always visited the same clinic ( for vaccinations and everything), which is listed on the Trupanion website one of the clinics they work with. I paid myself all vet bill yesterday (08.18.24), because Trupanion didn't processed the claim, moreover they sent the request to my email to ask about my puppy's medical history. I've sent them an email and contacted the customer support they told me they need more info. I told them we visited ONLY one clinic, but still, my request is not processed. The customer support told me to wait a few days, which is not they advertise on their website and other sources. Not quick at all instead of helping me with paying to the vet fo now I paid to the vet by myself and to these guys. Should I be happy with this level of service ? So far I am very very disappointed 😞
1

out of 5

POSTED: | BY: Cassa

Stir clear of this company, the absolute worst

Trupanion is just the worst insurance provider there is out there. I have been with them for roughly 2 years, my dog is healthy and hasn't needed any care that required their coverage, and yet they have increased my monthly payments more than double the initial price I signed up for. And upon checking with other customers, they do that to every customer.

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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