Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,089

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: Andrea

Our vet was able to contact Trupanion…

Our vet was able to contact Trupanion and get preapproved and paid so I just paid the amount I owed before leaving. So very simple. Everyone I know who has Trupanion is really happy with your service.
5

out of 5

POSTED: | BY: Pedro Moya

"I cannot thank Trupanion enough for…

"I cannot thank Trupanion enough for their exceptional service. their claims team was proactive and communicative. The process was fast, and they explained everything clearly.
1

out of 5

POSTED: | BY: Carla Martinek

52.5% INCREASE in premium after first…

52.5% INCREASE in premium after first year for a 2-yr old cat with no claims. Went from $72/mo to $110/mo. This is price gouging. There is no justifying this. Their chat response: Trupanion assesses policy rates at each renewal. There are five rating factors that are reviewed: 1) the breed of your pet, 2) the sex of your pet, 3) the age at which your pet was enrolled, 4) your location, and 5) the deductible on your policy. Because insurance is a shared risk, Trupanion looks at all pets insured in our book of business that are in a similar category to your pet. So we look at all Maine Coons, all female pets, all pets enrolled under one year old, all pets in and around Round Lake IL, and all policies with a deductible of $250. An average is taken from each category and if a deficit is projected based on how much was paid out in claims for all pets in those categories versus what the rates are currently set to, then the rate will be adjusted so Trupanion can continue to offer the same, unlimited coverage.
5

out of 5

POSTED: | BY: CM

Appreciative Pet Parent

Yesterday morning, Onyx, my beloved furbaby of 16 years passed away. Since she was 4 years old we have had Trupanion insurance. When I say that this company is phenomenal, I truly sincerely mean it. I would give them 100 stars if allowed. No matter what health challenges, including Osteosarcoma cancer my baby went through, Trupanion was there. I would not have been able to care for her the way that I did without them. I feel that their financial support, along with many years of love is what allowed this little mixed lab who left footprints on my heart to live as long as she did. If you are reading this, and you have a furbaby, I HIGHLY recommend looking into Trupanion. They are excellent in every way. Friendly, courteous, and compassionate. Thank you Trupanion for helping me to raise Onyx along her journey towards the Rainbow Bridge.
5

out of 5

POSTED: | BY: Coral Glass

Trupanion has stood by Marley for…

Trupanion has stood by Marley for everything he has needed outside of regular annual care. I’m sooo happy that after 2 TPLO surgeries and a stubborn dermatitis, that I chose Trupanion. Thank you for being there 🙏🏽. Now if we can just get human insurance as easy, affordable and timely. 🙄

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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