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
As soon as Trupanion received my claim they e mailed me to let me know that they have the claim and within a day or two let me know of the result.
As soon as Trupanion received my claim they e mailed me to let me know that they have the claim and within a day or two let me know of the result.
5
out of 5
POSTED:
| BY:
Amazing and prompt customer service!
Amazing and prompt customer service!!!
5
out of 5
POSTED:
| BY:
Always quick and easy
Always quick and easy
1
out of 5
POSTED:
| BY: John
Terrible, unreliable, profits > ethics, sad, questionable tech architecture/design
Dishonest, zero-integrity, low ethical standard, profits > ethics, contradicts themselves, and quite frankly are not "fair" like they preach in their ABOUT section of website.
To start I have learned that Trupanion never makes mistakes... if they do, it's the customer's fault.
My vet initialized an offer certificate for me, and I received 0 emails from Trupanion concerning an offer code to sign up or anything about Trupanion. I spoke to support, who told me that Trupanion sends an email after they have an initialized request from the vet. Then I learned that they have never had a bug in Trupanion systems, and the email therefore had to be delivered successfully. Also, fun fact, I learned that they "do not store any trace of emails sent out with offer code or anything"; as a result, it had to be be delivered to me.. If needed, I would love to forward anyone/everyone the chat logs where this is stated.
This is not a rant, this is an honest question: do you really not store emails that are sent out with offer activation codes? I feel like this is irresponsible and kind of dumb and I am curious, how do you know that an offer code is valid, is that stored, but the email is just assumed to have work? I think this is a major assumption if so..
Am I really the first person to not receive an offer code email, which support kindly told me was the case? It has basically always gone out, not even 1 failed send request ever? Please say this is false, and just look up the email if it was sent, and we can be proactive.
I also looked and they currently have 14 job postings for "Senior Software Engineer". I hope that one of the 14 new-hires will address this issue, and potentially build out a temporarily storage of sent emails, but I also want to ask: why are you hiring more people if it's perfect, and has never errored out?
The zero bug, reliable, no mistake Trupanion team also has "2021" as their copyright date when you sign into the website which is located on the lower left hand corner of each authenticated user page, but it's 2022.. They make no mistakes though.
Please don't tell me to reach out to support. I was told when I asked these questions that I was being unproductive, and I was disconnected. Ask yourself this Trupanion.. Are you perfect, is there even the smallest chance that you might have a tiny bug in your email triggering/sending/offer activation structure, and that I, a paying customer, am not making this up? Financially, I literally save $0 from this. My companion has zero issues, I just want the situation to be handled ethically, and other people in the future to be treated with respect and not taken advantage of.
Just curious, have you ever pressed "forgot password" and not receive the email until you pressed it again.. Does not happen all the time or frequently, but I bet it has happened minimum 1 time in your life.
-- Edit: I just sent over my additional information through the TrustPilot link I was sent.
I do have a dog with pre existing conditions. And I fully understand that if he falls ill due to one of those conditions it wont be covered. For those of you who have been denied, please make sure your vet is reporting the incident correctly! For example, my dog had a cyst on the back of his neck prior to Trupanion, it was removed. Recently we discovered a ball (tumor like) under his jaw. it was sent in as a growth on the neck and denied. However after correcting that it wasnt on the neck, but rather under the jaw and a different case, they retracted and covered it. So please be sure to reach out to them. Their customer service is top notch!
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
