Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 63,001

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: Paul Bianchi

The Best Dog Insurance EVER

My Dog, Zoey, recently contracted Bone Cancer.... probably the most dreadful thing that a pet owner could ever face.... mental, emotionally, and monetarily.... I thank God I have the foresight to invest in pet insurance.... and Trupanion is the best!!!!..... just for my Zoey they paid for 2 ACL operations, various ailments and Bone Cancer.... Amputation and Chemotherapy.... they are a blessing and probably the reason that I am not struggling to keep my beloved dog alive!!!!.... They are a bit expensive, but you get what you pay for....24/7 HUMAN interaction, an easy claim app, and they pay the Animal Hospital directly..... and No Limit on claims..... I HIGHLY recommend Trupanion.... My friends and Family have also gotten policies from Trupanion,,,,
5

out of 5

POSTED: | BY: Donald Molde

Fast, efficient service, well appreciated

Having adopted another older dog following the demise of a previous older dog that had about $10,000 worth of health problems in the 2.5 years I had her, I decided to try pet heath insurance with my latest elderly dog adoption. Unfortunately after nearly 3 years of good luck and great experience, my dog has developed liver cancer. After tests and biopsy, it looks like supportive/comfort care is what we're left with. Trupanian worked as advertised. Easy to file a claim on line. I got the results of my claim acceptance in less than a week. My reimbursement will be arriving by check in the near future. Reallyi excellent service and good coverage as well.
5

out of 5

POSTED: | BY: Christina Cowen

Pet Insurance is a must, Trupanion is a dependable provider

Our first year of dog ownership has been unexpectedly expensive, and would have been much more so if we hadn't signed up for pet insurance immediately. Our boston terrier puppy has had a string of unexpected and costly medical issues, including a drawn-out stay in the hospital for vomiting and stomach issues and a surgery to correct breathing issues. We've found Trupanion's coverage to be fair to their policy promises and their claim processing has been overall fast and painless. I would say check with your vet to see if they are able to process your claims directly. Ours does not, but we found the online claims system was pretty easy to navigate. In short, pet insurance is an absolute must for all new puppy parents considering how much medical treatment costs these days, and we've had a positive experience with Trupanion and would recommend them to others.
5

out of 5

POSTED: | BY: Krista McCann

Choose Trupanion for emergency coverage

In March 2020, right as COVID shutdowns started, my older dog, Otis, needed to have emergency surgery for a twisted colon. I was a mess, waiting alone in my car in the hospital parking lot for seven hours until the surgery was complete. At one point, the front desk called to ask for approval for the surgery, noting that it would be expensive. My tearful response was, "I don't care. I have Trupanion. Just fix my dog." They did and Otis made a full speedy recovery. Trupanion also made it easy for the hospital to file claim paperwork on my behalf, meaning that I didn't need to pay out-of-pocket and wait for reimbursement. Unfortunately, Otis will likely need surgery soon for a lung tumor. I'm worried about that but having Trupanion means I don't need to worry about how to pay for it and what might or might not be covered.
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5

out of 5

POSTED: | BY: Marty Tidwell

Thanks!!

Thanks so much for your ease in filing a claim and your quick response. You can't imagine how much I appreciate it during this difficult time. And thanks for your kindness in the emails you send me.
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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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