Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,952

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: Aimee

I have had Trupanion for my dog since…2011

I have had Trupanion for my dog since the day I brought him home as a puppy! My premium was $33.00 and I had FULL coverage with a 0 deductible. My baby meant the world to me. They advertised as NOT raising the rates as your dog gets older! HA!!! I am sitting here with yet another premium increase notice. This time from the crazy already $109.00/mo to $139.00 mo. My dog has had 6 claims in his almost 10 years that they paid a total of $914.92. The cost of premiums alone for next year would total $1668.00! I feel like an absolute FOOL! I do not know what happened to this company, but I am at wits end! You see how much his premium has increased over the years and I have had to decrease his coverage and increase my deductible to keep it even at THAT point! BEWARE!!!! EDIT: Trupanion already responded with stock answer that they have given me every year. That costs have gone up in my geographic area. Well...I was in the same geographic area when I gave all the information provided. I have never moved. My dog has never been ill, yet alone severely ill. And again, for them to give the “ story” that they don’t charge more as the dog gets older, but then to give the EXCUSE that other COSTS have gone up, when I haven’t accessed ant services...is just that. A story. I also went on the website and looked at what cost would be to insure puppy with exact coverage, and while not much less... it is less. So why are they charging me more when they know exactly the health of my dog? Again, a scam.
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5

out of 5

POSTED: | BY: Marti Sanchez

Thank you 🙏🏻

Thank you for such quick review and payment of Rory’s claims . I was notified every step of the way starting with the claims having been received and setting expectations.
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5

out of 5

POSTED: | BY: Suzanne

Best company I have worked with!!

No run around!! Easy and helpful staff Other insurance policies I have had would try everything Not to cover but this company looks to help!!!
5

out of 5

POSTED: | BY:

The ONLY insurance company to have

You don’t raise my cost hugely each year, and you are so easy and quick about responding to claims. I have talked a number of people into switching to you from other insurances.
1

out of 5

POSTED: | BY:

You denied coverage for two separate medical issues based on a pre-existing condition from the age of 8 was.

You denied coverage for two separate medical issues based on a pre-existing condition from the age of 8 was. I am paying significant monthly premiums and getting nothing back for our pets medical issues. We are appealing the denials.
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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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