Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,753

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:

Because Trupanion goes out of its way to disallow valid claims for absurd and unrealistic reasons.

Because Trupanion goes out of its way to disallow valid claims for absurd and unrealistic reasons.
5

out of 5

POSTED: | BY:

Because my experience with you are wonderful.

Because my experience with you are wonderful. Thank you
5

out of 5

POSTED: | BY: Debra Adams

After loosing our Labrador Retriever

After loosing our Labrador Retriever, I realized how important it is to carry pet insurance. Our Lab became I'll very quickly. He did not show any signs that he had cancer. Our family Veterinarian never seen anything out of the ordinary. He just could not walk one day. We thought because of his age it may have been Arthritis. After his regular vet appointment, we were told he needed more tests.The drive to a specialist was a long one. After He was admitted we knew vet cost could be high however we didn't realize how high. He was given the best care and they ran so many blood tests. And a sonagram. And X-rays. His prognosis was not good and we had to let him cross the Rainbow Bridge. This had been one of the hardest decisions we had to make. The cost didn't concern as we were worried about our best friend. We had to face reality and the expenses were in the thousands, just didn't seem fair that we lost him but now we are responsible for a huge medical bill as well. It was only two days of just tests and care. I can't imagine what it would have costs if he needed a major surgery. A few years later we adopted another dog. This time we were going to be prepared. So we knew Trupanion direct billed with our vet. I have had to use there service once or twice having a young dog that likes to chew. They were fast and I didn't have the stress of having to pay the whole bill first and get reimbursed back. It made life so much less stressful. I hope the day never comes but I know my new baby will face medical issues, And I have some relief knowing I will be able to say ok to needed surgeries or illnesses. I'm not worried if something happened on a weekend or the middle of the night. Trupanion is there 24 hours a day 7 days a week to help answer your questions and give you that light at the end of the tunnel. They honestly have been a blessing. When your dog is healthy you often wonder why you are paying for insurance.however when the table turns and your facing decisions on the proper care of your fur baby trust me.. you will be so grateful you had insurance for them. Thank you Trupanion..
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1

out of 5

POSTED: | BY: Lisa

We are beyond disappointed and hope…

We are beyond disappointed and hope nobody uses this company if you have a claim that was an emergency for your pet! We have all paperwork from the ER physician along with our forms from the bin call surgeon state what happened to our dog was very unpredictable and they refused the claim stating it was something else that was pre existing An intussusception is Definitely an emergency! Never will NEVER recommend this company! We feel for the cost which is more than many others we got zero help and feel we wasted a lot of time. Never again and we will continue to share our incident in hopes many others never deal with them to have to go through what we have!
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5

out of 5

POSTED: | BY: Kris Starev

Simply the Best - for my situation

Trupanion is an amazing pet insurance company that actually care for its customers. Phoning them means talking to somebody right away and getting the answers you need. Prices are very fair and allow for great flexibility when comes to deductibles - which are fully tailored to your needs.
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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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