Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,123

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

POSTED: | BY: Heidi Miller Wittchen

My decision to have insurance was an…

My decision to have insurance was an easy one. When my first red toy poodle jumped from my arms at 6 months old, she had a 45 degree break on her front leg and I had no insurance on her. After 3 breaks, 3 surgeries and out of pocket costs close to $15,000, I decided to look into insurance when it was time to add to our fur family. The day I came home with 2 additional red toy poodles, I had already completed research and signed them up for Trupanion. Ollie went for routine blood work at our regular vet prior to neutering and an elevated liver enzyme led us to an Internal Vet Specialist. I've been very pleased with Trupanion customer service. My questions were answered. I picked my deductible ($500) along with the coverage (90%). I was a bit surprised the appointments themselves aren't covered, but knowing everything else is I'm very happy. We're hopefully on the right path to getting Ollie well. He's had an ultrasound and he's currently on 2 different antibiotics, all covered at 90%. After 3 weeks of the antibiotics, his blood will be tested again. If there's no improvement, he'll need to have a biopsy on his liver. The cost will be in the neighborhood of $5,000 if it comes to that. Thanks to Trupanion, I can focus on my Ollie and the 10% that I have to pay, letting them handle everything else, almost entirely worry free!
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5

out of 5

POSTED: | BY: Synda

Trupanion is the best pet insurance imaginable!

I have had multiple dogs for over thirty years but had never had pet insurance. The breeder of my current cavalier suggested Trupanion, and I took it out when I got home. I never imagined that I would need it, but Nicky required elbow surgery for correction of IOHC, and Trupanion provided excellent coverage and very prompt payment. Their customer service also truly provides service and is easily accessed for questions. I wouldn't consider getting a dog in the future without having Trupanion coverage. Thank you, Trupanion.
5

out of 5

POSTED: | BY: Theresa Salas

Our Yorkipoo

We have a Yorkipoo and we have had to take her to the vet for various reasons. Having Trupanion pet insurance has made the process easy. And the insurance plan is tailored to your liking making it affordable.
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5

out of 5

POSTED: | BY: Lyland

Fancy and I really appreciate Trupanian

Fancy has been having a sick spell for a few months. Trupanion has been a blessing with assisting with testing and medication. We could not have done it without Trupanion. I don't know what we would have done otherwise.
5

out of 5

POSTED: | BY: June

Excellent

I’m so happy I took out Trupanion for holly, this insurance has paid out so much. Tell any of my friends about it Really so happy.
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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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