Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,497

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: Ray

Refused Claim

Our 3 month old puppy had an episode of a possible seizure. The vet could not be sure what happened, but we thought we were going to lose her. The vet put her on an IV, gave her oxygen, did a blood test and dexamethazone injection. She stayed at the vet for 4 hours and she recovered. The cost totaled $578.85. We filed an insurance claim with Trupanion and provided the vet invoice along with the blood test analysis. Trupanion requested vet notes. We provided what notes existed and Trupanion denied the claim, they felt what was provided was not sufficient. I then called Trupanion to cancel the insurance. They extended my monthly payment due date to resolve the issue. Never heard from them and the extension passed and they charged me another month premium. I called again, for the fourth time and demanded they cancel the policy as they continued to try to stretch it out. Trupanion is unethical and not a business I would ever do business with. This was a totally legitimate claim and they kept saying they needed vet notes which I repeatedly told them they didn't exist. It is just their way of denying the claim.
5

out of 5

POSTED: | BY: Sally

Trupanion is totally worth the cost of peace of mind.

After paying out thousands for pet care we finally decided that pet insurance was the way to go. Our Chihuahua is 16 and in really good health but on Sunday I knew there was something seriously wrong. She couldn’t urinate. Never even had a urinary tract infection that we were aware of. Rushed her to the animal emergency hospital where they confirmed that she had stones blocking her bladder. Estimate for care and surgery $10,000-$13,000. I knew we had Trupanion and didn’t think twice about how we were going to afford treating her. We paid our deductible and Trupanion paid the rest directly to the animal hospital. Otherwise, we would have to had close to $10,000 that day to treat her. None of us think this would happen to us but I witnessed other pet parents trying to pay their bill with multiple credit cards and debit cards that day. We made a very wise decision to get pet insurance and to pick Trupanion.
5

out of 5

POSTED: | BY: Michelle

So Easy

I am amazed at how easy and convenient Trupanion is. Best investment I've made for my pups and their health. Now, if only my health insurance was this easy.
5

out of 5

POSTED: | BY: Linda

Used first day I picked up my dog

Picked up my puppy and on my way home he had a coughing spell so we stopped at the hospital. I had activated my coverage the day before we got him and couldn't believe it was able to help us. The representatives were very kind and supportive and walked me through the process. All is fine now and it is such a relief to know that there is so many caring and kind people in this organization who helped me through the paperwork. Great service and I plan on keeping this policy. Never had insurance on my dogs before. I will now.
3

out of 5

POSTED: | BY: Ellen

I don’t get it

I have four dogs insured with Trupanion. On one hand, they are great to work with and do cover a significant amount when something catastrophic happens to one of your pets. They do not cover what they describe as preventative or wellness check ups. However, when a dog or cat is in an emergency situation, and needs emergency care that includes diagnostic tests and surgery because of a clear problem, I don’t understand why the examinations for those incidents are not covered. These are not wellness or preventative exams. No pet hospital will diagnose a dog without examining them and I believe that those exams that are done in connection with Emergency admissions should be covered. I ended up paying many thousands of dollars for exams this past week when my dog stopped using her back legs and had to go to two different emergency hospitals and have exams at both of them to see what testing she needed and what surgery she needed in order to Improve.
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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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