Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,144

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: Andrea Cummings

Saddened by deceitful information

Nall Daniels in Homewood and Pelham Animal Clinic promote this company. It was suggested to me that I should purchase this insurance when I took my black lab "Otis" for what I thought was a wasp sting on his rectum due to excessive licking. He was stung by yellow jackets last year that had an underground nest in my half acre backyard. I was stung probably 10 times getting them off of him. I remedied that situation. This year I haven't encountered a nest, but I've seen wasp. I purchased insurance with Trupanion prior to any results or diagnosis. One of the emails I received from Trupanion stated hat if my Veterinarian refers me they would waive the 30 day waiting period and the 5 day emergency period for coverage. I found out from the veterinarian from Nall Daniels after I purchased one of the most expensive plans that he had adenocarcinoma of the right anal sac gland. Trupanion has rejected my claims. I was told I was required to have applied a code provided by my veterinarian within 24 hours prior to diagnosis to be covered. Trupanion doesn't disclose this anywhere on the plans or on their site. My vet knew nothing about a code. I'm very discouraged with company. I was going to insure my puppy with them, but I feel it's a total scam. I'm going to resubmit the information tomorrow. I'm not confident I'll get honest results.
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5

out of 5

POSTED: | BY: David

Trupanion is the Leader of the Pack!

We love Trupanion’s exceptional customer service, efficiency and speed of their claims department! They are so compassionate and personable and surpass any competitors by miles - thanks for truly caring for our babies!!
1

out of 5

POSTED: | BY: Elizabeth

Watch out--Policy Increases EVERY Year

I have been a Trupanion Customer for 9 years. I joined when my dog was a puppy. EVERY YEAR, without fail, my rates have gone up. I started at $36/mo and now the rates have been raised to $72/mo. The yearly increases are blamed on the cost of living in my area but that is just not true. I have several types of insurance- auto, home, health, dental,& business and NONE of them have increased every single year. Not one. Thus, I am terminating my policy and will do my best to alert other consumers to the unsavory practices of Trupanion.
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5

out of 5

POSTED: | BY:

Great coverage, live phone agents 24/7

Very kind agents that I can reach on the phone 24/7
5

out of 5

POSTED: | BY:

Very friendly

Very friendly
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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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