5
out of 5
POSTED: | BY: Aimee
Trupanion is a life saver!!!
Trupanion makes claims easy!! When caring for a sick pet, knowing that you have reliable insurance makes a world of difference. Highly recommend!!
4.9
out of 5
Number of reviews 59,260
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
1
out of 5
POSTED: | BY: Deborah
Terrible Pet Insurance
This insurance company was highly recommended to me, and it had good reviews, so I enrolled my 3 dogs. Our dog Lucky was about 10 at enrollment (had been enrolled with another company but when its rates were too high, we changed), but was a very healthy dog. During check-ups, he was sometimes treated for eye irritation around the outside of his eyes with some drops. When he was 14 he started having some strange eye symptoms and the doctors didn't know what it was. His eyes clouded over and were bulging, but it was not cataracts. They treated him with drops and treated it as glaucoma and eye ulcers, and all those tests and treatments were denied due to being a pre-existing condition. As time went on, in 2019, one vet said she thought he had some sort of tumor behind or in his eye that was causing the bulging of his eye. In 2020, his eye popped, and the vet sent us to an emergency clinic (during Covid) to have emergency surgery. We were applying drops and giving meds, which were all disallowed as pre-existing, so nothing related to his eyes was ever paid. Everything in his eyes was due to his eye irritation from pre-2015. The emergency clinic said they couldn't operate for a couple of days to remove the eye, so I went back to our local vet and she removed his eye a few days later. The surgery confirmed there were eye tumors (dysplasia), and after his eye was removed, the tumors proceeded to come through where the eye socket was and got very large. We finally put him down in October 2021 due to his eye tumors/eye cancer. We spent around 3K - 4K for all of this, and every bit of it was denied as pre-existing conditions. Sure, this insurance company is good about paying for major surgeries due to accidents or other things, but just about everything else is denied. Any treatment is broken down by symptoms and a different deductible is applied to each condition, so the result is that almost nothing is every covered. It says it is per condition, but if vomiting occurs and two years later vomiting occurs again, it is treated as vomiting due to a different condition and not covered. They are big liars and cheats. I am very unhappy with this pet insurance and any future pets will not be with Trupanion.
5
out of 5
POSTED: | BY: Ashley
So happy to have had insurance
My dog just came home Sunday and is now recovering after foreign body surgery. I used trupanion express at the ER, I did not have to interact with anyone the ER and trupanion worked directly together. So happy I have this plan!
5
out of 5
POSTED: | BY:
You guys are THE best!
You guys are THE best!!! You should sell people insurance!!
5
out of 5
POSTED: | BY:
You are the best!
You are the best! Processing of claims is amazing quick......would highly recommend.
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