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
5

out of 5

VETERINARIAN: Welland Animal Hospital

POSTED: | BY: Richard

Emmett

Great pet insurance, not only for ease of having pet protection, pet surgery, and knowing pet will recover at home and also ease on us financially as we are retired and not worry about costs
5

out of 5

VETERINARIAN: Kyle Animal Hospital

POSTED: | BY: Patricia

Great help with dental bills

Appreciate the way Trupanion has handled the claims for our cat's dental bills. Extractions are not easy for any of us to deal with, but this company helped make it easier to juggle costs in a timely fashion. When a question came up, staff was there to help in a knowledgeable and courteous fashion.
5

out of 5

POSTED: | BY: Margaret

Trupanion Great

I have been paying my insurance premium for the 10 years that I have had my 2 cats and submitted my first claim for the current medical condition Oct 2023. At the time customer service could not have been more helpful in leading me through the submission process and responsive to all of my questions. All aspects of my claim were handled in a very timely manner. For a recent repeat of the same medical condition I submitted my claim immediately and within 24 hrs it was approved and settled with a detailed claim summary. Cannot ask for more service than that!!!
5

out of 5

VETERINARIAN: Hôpital Vétérinaire Trifluvien

POSTED: | BY: Francine

Recommendation to have insurance for your little friend pet!

I went to get my little female puppy and not even 24 hres later, she felt off the couch and broke her left femur ! It was very stressful but Vétérinaire got everything on the go for her to go under surgery ! So there we are going to Québec city in Daubigny vet hospital ! The estimate for the surgery was close to 6500$ plus the 1100$ for the emergency room to get her check out at first in my vet hospital ! Just to tell you that I got very close to 5000$ back!! So it's worth it to anyone that have pets, get them insured!! For their unconditional love do it!! They can get sick or have an accident very quickly ! ! So think about it ! ! Have a great day! Francine, Matthew and Janis 🐾❣️🐾
4

out of 5

VETERINARIAN: Advanced Veterinary Dermatology

POSTED: | BY: Nino

Rising Premiums but So Far Good Coverage

I was incredibly frustrated recently due to seeing my premium rise in cost in rapid succession, especially after moving to Ft Lauderdale. I never thought my pet insurance would reach car payment status, and I’ve been a loyal customer since 2017. I want to love TRUPANION and they recently did pay a good portion of my last vet bill, but I honestly have no other insurance company to compare it to, and I think all pet owners would pretty much do anything for their pets. I believe the real reason of rising premiums is the amount of people that have recently become pet owners due to Covid, and they’re taking advantage because they know people have no choice but to have the insurance, and if that’s the case, why not boost the price while we’re at it because we have to pay more people to process your insurance money. With all that being said, TRUPANION is by far one of the easiest companies to work with, the least hassle I’ve ever had with claims processing and responses from any company, and they have covered a good portion of my claim requests considering my pet has chronic ear infections and bad allergies. I would definitely recommend TRUPANION due to the coverage, but I’d definitely make sure it fits your budget, because they don’t tell you when they’re raising the cost of your premiums, they just do it!

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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