5
out of 5
POSTED: | BY: Joan Golding
You do everything correctly
You do everything correctly
4.8
out of 5
Number of reviews 63,001
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: Melissa Morgan
REVISED -SeemED like a scam, but actually EXCELLENT
THIS WAS MY INITIAL EXPERIENCE - I submitted an updated review as all of this frustration was ultimately addressed and completely resolved by Trupanion, so I am changing my review. My initial experience below was still frustrating, but I want everyone to know that I no longer feel this way as Trupanion ultimately came through 100% and honored my policy. This insurance company and its representatives is actually excellent👍🏼👍🏼
Seems like a bit of a scam. I have had insurance through Trupanion for both of my dogs and cat for many years and have not really gotten much out of it since my pets have been without any significant health issues - until recently. I chose a policy with $1,000 lifetime deductible for individual conditions, which I thought sounded fair. What I am seeing at this point is that this company simply changes the name of the "condition" once you have met the $1,000 deductible. For example, my dog has been receiving laser and acupuncture therapy for her arthritic spine - for the first few invoices, Trupanion labeled the condition as "Arthritis", but once I met the $1,000 deductible, the condition was then changed to "Spinal Disc Disease" and the $1,000 deductible started over. My dog has never had an MRI or any other imaging studies to suggest or confirm any kind of degenerative disc disease, so why would Trupanion suddenly decide this was now a new diagnosis for which she was receiving the same treatment as arthritis? So, in reality I had to pay the first $2,000 before Trupanion reimbursed anything for the same condition.
Another example : Over the past several weeks, my dog has been suffering with an array of severe GI issues requiring hospitalization twice. She had many symptoms including vomiting, bloody diarrhea, pancreatitis, lethargy, dehydration, etc and it took some time to figure out the exact cause. Ultimately, we discovered my girl has Cholangio-hepatitis (gallbladder infection), so all of these symptoms are related. I spoke with a representative at Trupanion a couple weeks ago and was assured this would be addressed appropriately and considered a single "condition". I was also assured that they would go back and review the previous invoices where arthritis and spinal disc disease were considered separate conditions for the same procedure. I just spoke with them again, and nothing has been reviewed/resolved. They have once again broken up my dog's vet bills into separate conditions, each with $1,000 deductible. Pancreatitis, "Liver and Bile duct inflammation," and "Vomiting/ Diarrhea/ Lethargy/ Dehydration" are NOT separate "Conditions" - these are all SYMPTOMS of one, single condition (cholangio-hepatitis). My veterinarians have all agreed to provide anything necessary to confirm this, but Trupanion doesn't seem to be interested.
I seriously regret going with this company so many years ago, but all I can do at this point is let others know to be leary, accept that I made a poor decision and move on.
5
out of 5
POSTED: | BY: Felicia
Very happy with the service I am…
Very happy with the service I am receiving from Trupanion. My English Bull, Stella, has been ill since 2019 at quite an incredible expense and Trupanion has been with me every step of the way.
5
out of 5
POSTED: | BY: Debbie Mills
Alexia was so pleasant to talk with and she resolved my issue.
Alexia was so pleasant to talk with and she resolved my issue. I will continue to recommend Trupanion
5
out of 5
POSTED: | BY: Daniel Hart
Ashley listened and figured out what I needed to add to my claim in order to get paid.
Ashley listened and figured out what I needed to add to my claim in order to get paid.
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