4
out of 5
POSTED: | BY: Demeka
It was great
It was great
Read more on Trustpilot
4.9
out of 5
Number of reviews 60,422
Updated: May 29, 2024
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: Tina S
Incorrect processing of claims
The claim specialists continue to change diagnosis so 1) they don't have to pay or 2) can apply a new deductible to a condition that has already met the deductible.
Similar to other customer experiences, I paid my premiums for 9 years. My dog has been suffering from an undiagnosed condition for quite some time. I have filed claims to find the diagnosis. All claims state breathing difficulties. Lately, all the claims come back charging me the deductible, despite several doctor’s stating otherwise. The claims department does not return calls, even though I have asked several times. I emailed their CEO and Executive Team, and they don’t even bother acknowledging the email. If we call, customer service advises that we are wasting their time. As a result, we are pursing assistance from the Dept of Ins and legal action to recoup our losses - we have empirical evidence provided by four doctors that will show Trupanion is processing claims in bad faith and assigning diagnosis that are nowhere to be found in medical records. Today, the claims specialists literally changed the diagnosis and disregarded clinical notes provided by a renowned doctor. I was also told by a customer service representative, Mel (who advised that she had no supervisor), Trupanion’s claims specialist were more qualified to assign a diagnosis than the slew of specialists that have been chasing a diagnosis for years. We have also submitted invoices that were approved in advance of a procedure. Those invoices have not been paid, so I am not quite sure what of the purpose of the preapproval was in the first place. Trupanion as now assigned a ton of pre-existing conditions inhibiting our ability to go to a different insurance company. And the customer service number they provide, is less than helpful.
4
out of 5
POSTED: | BY: customer
Easy and quick
Easy and quick
Side note you can't pay in full for the year and that is why 4 stars and not 5
5
out of 5
POSTED: | BY: RONALD ARIF
Trupanion is a very valuable and…
Trupanion is a very valuable and awesome partner for providing all support for the wellbeing of our pets. They have the strength to pass on the strength to us in our's and out pet's dire moments!
1
out of 5
POSTED: | BY: Anne Fike
They don't actually pay the vet directly.. Don't bother
Do not get the insurance because you think that they will pay the vet directly. What actually happens is while you're standing in line at the vet waiting to see if they will pay the claim they will drag their feet and say something like it will take a while to review this. So then you will have to pay it directly anyway. Then they will find a reason to reject it, either claiming it is related to an underlying condition that they had before they got the insurance or something of that nature. They have a team of people that go through claims with a fine tooth comb looking for reasons to reject it. Of course you can appeal it but it will take up to 6 weeks (this was told to me by a Trupanion customer service rep). By then you've already paid it and you've already been through one credit card cycle and racked up the interest. So they are not the best insurance if you think that they're going to pay the vet directly. For example I got it when my dog was a pup and she went in for an ear infection during the waiting period. So far they have tried to link the ear infection to multiple things that I have submitted including a skin infection that was nowhere near the ear (it was because of a reaction from flea treatment) and a hernia. I'm not really sure what one had to do with the other but it is an extremely frustrating process. I got the insurance because I thought it was nice and convenient that they would pay the vet directly but so far it has done nothing but frustrate me and at this point it's too late to switch vets because my pup is already a year and a half and any new insurance would have several underlying conditions at this point and would not cover them. My recommendation is to try Spot insurance. I did a lot of research and it looks like they have some really great insurance packages including covering exam fees and wellness visits. Trupanion does not have any of these options. They also have way better ratings. Check them out and for your own good skip 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