Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,111

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

VETERINARIAN: Veterinary Emergency Group

POSTED: | BY: Joelle

Pet Parents Cannot Afford to Not Have Pet Insurance

Never in a million years did I think I would have a Vet bill this high, but it did. Leo, my 13 year old cat had three severe complications all within a two week time period. I considered letting him go, but the Vet told me had a good prognosis and I had Trupanion Pet Insurance on top of that so we proceeded. One thing led to the other and when it was all done I ran up three credit cards and maxed out one of them to pay Leo's bill. I'm happy to announce that Leo is doing great as if the whole incident never even happened. I'm even more thrilled that as promised Trupanion paid paid almot 90% of the bill minus a couple of very small exclusions. To anyone considering pet insurance, it is my opinion that you can't afford to not have it. I wouldn't have a Leo right now had it not been for Trupanion. The monthly plan pales in comparison to what a major vet bill can run. It is so worth it and I am so grateful for Trupanion.
5

out of 5

VETERINARIAN: CT Veterinary, Hopmeadow Animal Hispital

POSTED: | BY: Sue

Amazing! Thank you ❤️

Thank you, Trupanion, for stepping in immediately and saving my kitty's life. It was an awful, heartbreaking experience and not having to worry if I can save him due to finances meant the world to me. I've been recommending Trupanion to everyone. Faithful customer here forever. Thank you. Sue (human) and Mochi 🐈
5

out of 5

POSTED: | BY: Warren

Review

Excellent service throughout
5

out of 5

POSTED: | BY: Sharon

Coverage

Awesome coverage, claims are easy to file.... pleasant customer service personnel.
3

out of 5

VETERINARIAN: Clarenville Vet Hospital

POSTED: | BY: Nicole

Accurate information regarding coverage or policy

I was disappointed to find out that an overnight emergency stay, some medications weren't covered and any exams fees at the vet! In my opinion, anything involved with an emergency visit should be covered since a pet owner most definitely cannot fix their pet themselves! We are truly grateful for the insurance but we do also pay for it. I am also disappointed that when I called about coverage the morning before bringing our dog to the vet as an emergency visit, the agent told me that what my deductible would be, the 10% on the owner's part wasn't mentioned & she also said that any after-care medications would be covered. I also called a second time; day of the surgery, inquiring again about expected costs. I was not told that if there was an overnight stay, the emergency exam & that not all medications would be covered. Our understanding of what we had expected was to play our $250 deductible. Again; we are truly thankful to have insurance, but cost of what's not covered should definitely be brought forward instead of getting a shock! We expected to possibly pay $500/$600 ourselves but not over $1000 out of our own pocket! It was scary enough not knowing if our per was going to be ok but having to second guess costs was stressful as well. A friend of ours started a fundraiser to help us pay the rest of what we didn't have the $ to pay. We had to also travel 1 hour and a half to the nearest available vet. Thankfully Clarenville Vet Hospital is very understanding & is flexible in helping their customers & pets. They didn't cause any further stress of the outstanding balance that we still have. Not fully impressed with the lack of information given when I called to inquire about what to expect.
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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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