Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,808

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: JoJo Johnson

Puppy Insurance

This was my first time signing up for pet insurance that was recommended by my Breeder,it was quick,easy and it offered a wide range of plans for my puppy.I would definitely recommend Trupanion to any pet owner!!
5

out of 5

POSTED: | BY: LeAnn Ray

First time using Trupanion..

This is my first time ever having pet insurance. When I called the other day to transfer veterinarians on my plan.The lady was very helpful and also explained to me how to do a claim on my account. She explained how it would work and when to expect my reimbursement. So far I love Trupanion.
1

out of 5

POSTED: | BY: LB

I would not recommend Trupanion

I would not recommend Trupanion, the biggest reason, they will increase your rates every year!! I have taken all my pets but 1 at this point to other pet insurance. The one I have is still here for pre-existing condition. I have been nickeled and dime with claims. I had a dog who was brought to the vet for an emergency, they could not hold him over night (no overnight care) until I could transfer him to the appropriate vet the next day and I was charge a co-pay AGAIN for the transfer to the ER for overnight care for them to "continue care". Then another co-pay once transferred to the specialist. I can understand the specialist but the continued care should have been covered. No further testing was done other then to continue to monitor his vitals. Like I said they will nickel and dime you to the end!!!!
3

out of 5

POSTED: | BY: Taric Sam Alani

A little false advertising on their…

A little false advertising on their part, on their website, they claim basically everything is covered, except for wellness, but when your dog gets sick and the vet has to examine the dog before providing treatment, they fail to pay for exam fees. What, did you expect for a sick visit that the vet examines the dog free of charge? This isn't a wellness visit, and exam fees aren't something we plan to spend. Yeah, I can budget for wellness exams. I can't budget for sick exams, because I don't know if and when my dog will get sick. This is such a terrible policy. Watch, someone from Trupanion is going to disrespect me by writing a form response to this message stating that in the fine print of the policy that nobody reads that they don't cover exam fees, but none of that is in the colorful marketing materials they advertise. That's just plain deception. To add insult to injury, after a fake apology, they add "Please call us at (855)210-8746." FOR WHAT‽ For you to tell me again that you don't cover exam fees for a sick visit? No, I don't want to call you. I want you to change your asinine policy to cover exam fees. Don't apologize if you have no intention whatsoever of changing.
5

out of 5

POSTED: | BY: Stephanie Mann

Trupanion has been excellent when…

Trupanion has been excellent when dealing with my cat's asthma diagnosis and subsequent medical needs. Their response has been very fast in regards to the claims submitted and their payments are also very speedy. Excellent service!

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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