Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,144

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: Mahesh Sane

My TruPanion Experience in the need of an hour

Hello, I have been a Trupanion customer since I adopted my first golden (named 'Mickey') in August 2011. He was just a puppy and I had him on the insurance since day one. Fortunately, he did not have to see the doctor for any issues since I had him. But as days/weeks/months/years went by, for the first time we saw him straining during pooping and the poor baby was just struggling in pain. Mickey was diagnosed with rectal mass that had to be immediately removed. Doctors also found some other masses in his thigh and shoulder. They were big enough and suspicious. Mickey’s surgery went well and he is receiving back nicely. Unfortunately one of the mass biopsy showed “Spindle cell sarcoma” and other were “Lipoma”. He might need further treatment now to evaluate from Oncology department on biopsy results. I am just glad that I had Trupanion. Hospital filed claim on behalf of me directly to Trupanion. (Hospital had charged the bill amount as deposit on my credit card). TruPanion required lot of documentation from the hospital). Trupanion reviewed this claim and just today approved $5,725.20 from my total bill of $6,471.33. I just want to thank Trupanion who was there in hours of my need. They did charge separate deductible for Sarcoma and Lipoma but I had chosen $50 deductible from the beginning. They do increase your premium for lower deductibles, but worth it.. I have seen many negative reviews recently so I wanted to post this good experience to others. Only negative I can see is that Trupanion has increased premiums consistently every year. It might be a problem for some, but when time like this comes and you have your insurance that takes care of your pet.. Advice: Insure your pet on DAY 1 when he is puppy and continue the policy without a break.
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1

out of 5

POSTED: | BY: Joel

Trupanion is a money hungry monster…

Trupanion is a money hungry monster that doesn't care about your pets. Their policies are consistently the most expensive and they find a way to not honor claims more than they pay them. Their customer service is abysmal and I will no longer pay them to sit by and do nothing for my dog. If you are looking for a good company I recommend Nationwide. I have my other 2 dogs with them and have more than gotten what I pay yearly back from them, their customer service is impeccable and I honestly feel like they care about my girls.
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4

out of 5

POSTED: | BY:

Well I haven¡¦t used it yet to be able to give a 100% honest score but everybody I have talked to so far has been very helpful

Well I haven¡¦t used it yet to be able to give a 100% honest score but everybody I have talked to so far has been very helpful
4

out of 5

POSTED: | BY:

Very straight forward

Very straight forward
5

out of 5

POSTED: | BY:

Very pleased with all my dealings with Trupanion

Very pleased with all my dealings with Trupanion
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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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