Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,305

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: Cassandra S.

Feeble excuse to not cover retired service dog

We heard Trupanion was great, and so we signed our retired bomb sniffing service dog up who we recently adopted. Her retirement is being cut short because she took a very quick turn and needs intervention. However, Trupanion used the fact that she's "thrown up occasionally" in the past to deny our claim. Dogs throw up. We took her in to an ER because she started to refuse food, became lethargic, and developed urinary incontinence. If simply throwing up before developing serious symptoms is a basis to deny a claim on organ failure, good luck to anyone else... The appeals process has relied on a bullet point note from an emergency vet who we've never even met. We're not allowed to explain the context of her past vomiting to the claims department (not that we should have to. She got vaccines, eats trash... AKA is a dog). I would be in less distress if I'd never even signed up for pet insurance in the first place. The customer service reps agree with us, but apparently there's nothing we can do. Heartbroken and disappointed to be dealing with this while we watch our dog suffer.
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5

out of 5

POSTED: | BY: Ruth

Outstanding customer service!

I could not be more pleased with Trupanion! When Echo needed next day surgery they worked seamlessly with our vet while keeping us informed and updated at every step. It was such a positive experience during a very stressful time. I have had the same wonderful service with both direct payment to my vet and reimbursement. I never hesitate to recommend Trupanion.
5

out of 5

POSTED: | BY: Sharon

Outstanding

Trupanion is outstanding and awesome service on your pets needs and the reimbursement are very fast. They are the most awesome company. Most of my friends have them now.
5

out of 5

POSTED: | BY: Pam

Trupanion is a lifesaver!

Trupanion pays 90% of your medical cost for each illness or injury after you meet you deductible fir the LIFE of your pet! so many people I meet don’t realize that you don’t have to meet the deductible each year but ONLY once per illness/injury! Our big boy Nanuk suffers from allergies and his Apaquel is around $167 per month but Trupanion now pays 90% of that EVERY month. Nanuk also just had TPLO surgery which is around $5,000. I knew it would all be okay though because all I had to do was meet my deductible. This is the insurance you get and pay a little each month and hope you never have to use it. It’s your safety net. But if something major happens - TRUPANION is there! We are retired and on a fixed income. What a blessing Trupanion has been to us. Don’t delay- get TRUPANION today! PS… filing a claim is so so easy!
5

out of 5

POSTED: | BY:

Very helpful and friendly

Very helpful and friendly
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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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