Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,817

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: Edward T Mulrenin

On the road with Donner, and Trupanio!

On October 30, 2015, while I was still grieving the loss of my beloved dog Erde three weeks before, as I was preparing to leave for the train from Washington DC to NYC to see some shows for a long weekend before I got a new dog, I glanced at my Facebook page, where I saw a posting about a German shepherd dog named Thunder whose time in time in the LA shelter was up that night. After watching Thunder’s three-minute posting, I immediately tossed the ticket to NYC in the trash can, caught a cab to Dulles airport, and then flew to Los Angeles on the next flight out to rescue him, renaming him Donner, which is German for Thunder. When I got Donner home and took him to the vets, his vet recommended that I take out a policy with Trupanion. Although I was skeptical, I did. Since then, Donner has gone from being tethered for his first four years in several LA back yards to road camping trips across North America, including the Arctic in Alaska to Acacia, Denali, Yellowstone, Redwoods, Death Valley, Yosemite, Grand Canyon, Zion, and Arches national parks, and many, many more places in between. But Donner has not been without his problems along the way. But each time there was a problem, Trupanion has been there to help me make sure this beloved dog of mine had his problems solved so he could enjoy the life he is entitled to and was destined to live. I cannot recommend enough to just about every dog guardian I meet that getting a suitable policy with Trupanion is as essential as making sure their dogs are fed, sheltered, and exercised properly. It is one of the best decisions I made in recent years, second only to rescuing Donner. You can read about Donner’s trips and new life on my blog for my trips. I mean it when I say that these trips would not have taken place if I never got that insurance policy for Donner.
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5

out of 5

POSTED: | BY: Gail Stewart

My baby Abby was very sick

My baby Abby was very sick when she was 7 months, and again after she was a year old. Trupanion didn't ask any questions, they worked with the vet if needed to and they did a direct deposit into my checking account! They paid 100% best insurance you can have on a pet and very inexpensive!
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5

out of 5

POSTED: | BY: Karen Martin

I sleep better with Trupanion

I use Trupanion because i know they will cover anything that happens!! It allows me to sleep better knowing my pup is covered
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5

out of 5

POSTED: | BY: Bri

Trupanion helped me become a better pet owner

Trupanion helped me to become a more confident pet owner and get my dog help even when it seemed like a minor issue. I have a doodle that’s allergic to grass and has severe stomach issues. Thanks to Trupanion I can afford the best possible medication for my fur baby!
5

out of 5

POSTED: | BY:

Great experience with the representatives

Very kind people working for you
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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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