Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 63,026

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: Ann Briley

Excellent help from everyone I spoke…

Excellent help from everyone I spoke with. Your staff is knowledgeable. Helpful and extend themselves to give me the information I need. Thank you very much.
5

out of 5

POSTED: | BY: Judith Kywi

Trupanion has been part of the family…

Trupanion has been part of the family since 2016. They’re amazing, and understand our needs with our little beasties. They make their website very intuitive which is brilliant. Thank you for everything you guys do.
5

out of 5

POSTED: | BY: Jennifer Hartley

Trupanion is the greatest!!

Trupanion is the greatest! Our breeder made it so easy to purchase this insurance for a mini golden doodle! She’s had several issues since birth and Trupanion has covered each issue. They are quick to respond. We chose an option that reimburses 90% after deductible. We’ve always received that within a weeks time. The only drawback is each illness has a deductible. That seems a little much but again we are just thankful for what we get. Premiums are not high and you can choose what best fits your budget. Thanks Trupanion!!
1

out of 5

POSTED: | BY: Rachelle Sanborn

Trupanion plays games with deductibles so they Don't have to pay you

So my 8-year-old girl that has been insured with trupanion for almost 8 years recently had a bout of endometritis. On the claim form I claimed endometritis as she has had that a few times in the past. After this claim, her deductible of $400 would have been met. Trupanion changed the condition to " discharge" instead of endometriosis which then they could again charge me my full deductible of $400. That's how they get around not paying people because their deductibles are based on condition not per year. My invoice was for $700 and Trupanion paid me $100.Watch out for this company. They used to be really great but they have changed from an ethical upstanding company to one that scams you. In addition, they say that their website has been upgraded but it barely works and their owner's portal does not work at all!
5

out of 5

POSTED: | BY: Kate

We just Rescued our dog and had him in…

We just Rescued our dog and had him in for a well check, while searching for Insurance that would be best for our new furry friend we came across trupanion and with all the research decided it was best for our particular pup. We are pleased to say our pup had a clean bill of health. Unbenounce to us, it turned out that he liked to counter and trash dive and ate some things that he should not have. Trupanion came through for us in the process of getting him well again. Thanks trupanion!

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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