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: River Road Animal Hospital

POSTED: | BY: Deborah

100% the best

My doggo Fenrir has chronic conditions Trupanion covered EVERYTHING! 90% When they say they cover 90% they mean it. Filing claims is so easy if you have any issues Customer service is superb. They will file claims for you. Reimbursement is quick. I have bought medicine, filed the claim and got a reimbursement back within 48 hours. It's amazing. Also my veterinarian referred me to Trupanion.
5

out of 5

VETERINARIAN: East Valley Animal Hospital

POSTED: | BY: Claudia

Best Pet Insurance

I have had Trupanion for years and they have never disappointed me. I also have a purebred Bengal cat that gets amazing care because of Trupanion. Their customer service is top notch. They take the time to explain any questions and they take excellent care of my babies by helping me be able to pay my Vet bills.
5

out of 5

VETERINARIAN: Blue Pearl

POSTED: | BY: Susan

Princess

She had a UTI and the ease of Trupanion covering the bill.
5

out of 5

POSTED: | BY: Amy

Happy Client

Pro: 1. A human answers the phone. You do not have to wade through numerous phone prompts. And not a call center from overseas. 2. They’re efficient and process the claims in a timely manner. 3. They check in every so often to tell you the status of your claims and are kind when you call about it. 4. They are straightforward in what the cover. 5. From social media, they appear to treat their employees well. Con: 1. My deductible rose dramatically. I think we started at a couple hundred and are now at a $1,000 (already met). Worth it when you own a cavalier. And likely standard in the insurance industry? I don’t know. I highly recommend Trupanion.
5

out of 5

VETERINARIAN: Apex Animal Hospital

POSTED: | BY: Drew

Trupanion provides EXCEPTIONAL payment and service

I have covered Tucker with Trupanion since he was less than six months old. This has been a true partnership with Trupanion always providing exceptional service - great electronic claim processing, fantastic information on the status of my claim, excellent payment, and thorough information on what payment was made and denied. I provide complete information on the claim to expedite processing. Based on my policy, there has always been excellent justification for all their decisions. As an example of their service, Tucker was seen at APEX Animal Hospital yesterday morning, and I submitted the electronic claim late last night. Early this morning, I received an email from Trupanion that my claim had been approved, providing an easily understandable Explanation of Benefits and notification that my payment was deposited. Wow! One cannot get better service! While I always received prompt service from Trupanion, this is a new record. Trupanion doesn't always process claims this quickly, but they are always very prompt. I am exceedingly happy with Trupanion's payment plan options, customer-friendly service, prompt and understandable payment, and overall demeanor. I would highly recommend Trupanion.

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

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