Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,639

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
2

out of 5

POSTED: | BY: Kenneth

Being denied reimbursement for treating…

Being denied reimbursement for treating a bacterial infection on the basis that it is due to allergies and the dog was born with allergies so it’s a preexisting condition. Pretty clearly using AI to review and decide on claims submissions and not being able to have a human override clear mistakes. I am responding to their robot reply. See, this is the kind of attitude I am talking about. They say bacterial infection is due to something the dog was born with, so it predates coverage. But the dog wasn’t born with bacterial infection. They use whatever excuse they can find to avoid covering the treatment.
5

out of 5

POSTED: | BY: cathy Harris

We could be more blessed and thankful…

We could be more blessed and thankful to Trupanion for being there for us when we were at our most vulnerable with a sick 6 month old Yorkie. We brought him to an emergency hospital in Orlando who referred him to University of Florida animal hospital. Not only did our baby get the best care he could possibly get, Trupanion was there for our baby within minutes of the hospital sending over the invoice. This really saved us from having more stress when we were absolutely at our lowest worrying for our baby. Thank you Trupanion we could never thank you enough for being there when we needed you the most. Forever grateful Total bill was over $3000 We had to pay out of pocket a little under $700
5

out of 5

POSTED: | BY: Renee

Quick payment

I appreciate trupanion and my vet working together. After extensive surgery it was one less thing I had to worry about. Trupanion paid their portion as promised.
5

out of 5

POSTED: | BY: Kelley

Super fast claim process

Super fast claim process, approval, and reimbursement. Used direct pay at Vet Hospital and was a seamless process. Trupanion is the gold standard for pet insurance.
5

out of 5

POSTED: | BY: Dianne

Eye Surgery for Braylon

Trupanion is truely the best to work with. I brought my dog, Braylon, in LV Specialists to have her eye examined. Sadly she needed eye surgery, but happily Trupanion came to my rescue. A quote for the surgery was given within 15 minutes and I scheduled the surgery for the next day. Without Trupanion's support, timelyness and assisting me, this much needed surgery would not have happened, Thank you Trupanion and Braylon thanks you too!

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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