Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,679

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: Romboel Farm Dogs

Worth the cost

I have been a Trupanion client for many years. I have never had an issue with any claim for my dogs and the customer service has always been fantastic. Trupanion may seem a little more pricey up front, but my vet and ER vets have the pet portal, which bills directly to trupanion for any claim, which means no upfront cost at the vet when an issue happens. I have Working dogs, and have saved thousands. Once my dog had a broken scapula from a hunting injury, and had PT, multiple specialists, medication, etc etc and I just had to pay the 10% of the total bill with my plan. Another dog got impacted and needed 5 days at the ER, which would have not been affordable if I had to pay upfront and then wait for a reimbursement. Trupanion also works with my rescue Must Love Corsos Rescue and also my working dog program Romboel Farm Dogs. Not only that but they take care of their employees (if you look at how their actual company is run and the benefits they give their employees is above and beyond any company out there - like paying for their employees childcare). When you look at the price points, again sure it is going to be slightly more expensive, but I also don’t have to wait for money tied up to be reimbursed nor do I have to do any paperwork with the pet portal.
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5

out of 5

POSTED: | BY: Katherine

Amazing!

I don't even know where to start. Every customer representative with whom I speak are not only so knowledge about the insurance policy and the claim process, they are also caring and always express their sincere concern about my Henrik during tough times. Henrik has just gone through surgery on both of his knees and has been recovering, all in the time span of two months. The claim process is as easy as can be. Answer a couple of questions on the online form, submit it and the claim is processed in two days. Your payment is then in your bank account immediately after that. I honestly do not know if Henrik could have had these two surgeries without Trupanion. I know that I would want to, but I don't know if financially I could. There are not enough words to thank Trupanion.
5

out of 5

POSTED: | BY:

Very supportive and helpful team!

Very supportive and helpful team!
5

out of 5

POSTED: | BY:

Very convenient to send in claims

Very convenient to send in claims
5

out of 5

POSTED: | BY:

Trupanion has been so efficient and expedient in payment at this tough time I would recommend them to all pet guardians.

Trupanion has been so efficient and expedient in payment at this tough time I would recommend them to all pet guardians.
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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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