Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,168

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: Rose

One of the best things I have done.

This gives me the peace of mind that if something major would happen, I can handle the expense to take care of my dog. I love how quickly they handle the claims. My dog has developed an ear infection-allergy issue which makes me really glad I have Trupanion protection.
5

out of 5

POSTED: | BY: Holly

Trupanion is the best!

My Vet recommended Trupanion as soon as I got my French bull dog. The breed is known to have health issues and the hospital and vet bills are very costly. Trupanion is very easy to file a claim on-line. You will get an immediate response followed by payment. I can't say enough good things about this insurance company!
1

out of 5

POSTED: | BY: I Z

Terrible service and expensive

Terrible service and expensive. Getting a procedure pre-approved takes weeks, getting reimbursed for a pre-approved procedure just as long, because they’ll try to classify everything done as a separate condition for which your deductible applies. You can easily end up with a vet bill over 1k and Trupanion paying nothing or close to nothing. You’ll spend your time getting them to do their job and my busy vet has to do the same. They’ll never wait a day for their money because they draft it, but good luck if you or your vet wait for payment from them. My vet does not accept payment from them and I wouldn’t either, I’d want to get paid in a timely manner. I’ll never insure another dog with them and go with a company that does one yearly deductible.
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5

out of 5

POSTED: | BY: Deborah

Excellent service

I cannot say enough about the help from everyone I dealt with at Trupanion. The ease of processing my claim for Missy's treatment was exceptional. Everyone was concerned about Missy and always asked me how she was doing after her emergency surgery. Thank you all so much!
1

out of 5

POSTED: | BY: Liz Beal

We got Trupanion when we got our puppy…

We got Trupanion when we got our puppy thinking that Golden Retrievers are high risk for all sorts of issues. We started off paying $26.76/mo. with a $1,000 deductible when she was 1 year old. A year later, they upped it to $31.90. A year after that, another bump to $33.85. A month later, they upped it again to $34.72. 6-1/2 years later, we're paying $37.89. Our dog is doing great, but had a lump on her back and a growth in her mouth and discoloration on her nose. We took her to the Vet to get them checked out, and they gave us an estimate which we sent to Trupanion. Over $1000 bill and said they wouldn't pay a thing. We had the surgery done, sent them our receipt, again, true to their word, they didn't pay. We've paid over $3000 in monthly payments and when we needed them, they wouldn't pay. We're canceling our subscription and not throwing more money after bad. It's a scam. Don't fall for it. Save the money you would otherwise pay Trupanion and use it when you need it. Up to this point we would have had to have over $4300 in medical bills for our dog just to break EVEN. And even then they pay only 90% of costs after that leaving you with paying 10% for the remainder of the medical. And if a DIFFERENT condition comes up, then you have to start all over again with the $1000 deductible. It's a scam. Don't pay. I'd give negative 5 stars if I could.
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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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