5
out of 5
POSTED: | BY:
Its a good company
Its a good company
4.9
out of 5
Number of reviews 59,250
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:
It¡¦s what I feel
It¡¦s what I feel
5
out of 5
POSTED: | BY:
It was quick and easy as usual.
It was quick and easy, as usual.
5
out of 5
POSTED: | BY:
I recommend Trupanion almost daily it seems.
I recommend Trupanion almost daily, it seems. The peace of mind offered in treating my dog through pretty serious illness is not something I take for granted. Service is fast, helpful and humanized. Seriously, some of the companies who tout themselves as ¡§the best¡¨ for whatever they do should take a page from Trupanion¡¦s book.
3
out of 5
POSTED: | BY:
High hopes, but so far disappointed with Trupanion
I know that Trupanion has a very positive reputation, but there were a few things we weren't expecting as part of the enrollment process. The first was that the cost for our crossbreed dog is more expensive than either of the two breeds she is made up of combined. In fact, the cost is exactly the same as for a medium mixed breed dog, but she will actually be a small dog (under 20 pounds), so we couldn't figure out exactly why the cost was so much higher. I reached out to a customer representative at Trupanion to ask about this, and she explained that there are many factors that go into deciding the cost for each breed, including how many claims are filed for the breed. The crossbreed that our puppy is is still very new. I think there are probably very few people who have this dog breed with Trupanion insurance. So it seems odd that the cost would be based on such few examples of the breed, and I think it's more likely that the crossbreed of our dog is misclassified as a medium mixed breed. Another thing that was disappointing to us about the Trupanion process was that we did not know before we signed up that there was a 30 day waiting period for illnesses. We had been looking at the Trupanion website for weeks before actually signing up and requested a quote during that early time period. We are getting a new puppy, and we want to bring her to the vet soon after we get her, but now we feel as if we need to wait a bit longer before she goes, because we don't want her to be diagnosed with a condition at her first appointment and have it not be covered. If we had known about the 30 day waiting period, we would have signed her up earlier. I think it could be helpful if the information about this is more prevalent on Trupanion's website, and it might even be advantageous to send reminder emails to people who have submitted the form for a quote letting them know that signing up earlier is better. We compared Trupanion with a number of different pet insurance companies and chose it for it's strong coverage and reputation. We hope we will be happy with it, but these first impressions have made us less comfortable.
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