Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,327

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: Tina Small

Great service and different options for…

Great service and different options for deductibles!
5

out of 5

POSTED: | BY:

You guys are the best

You guys are the best
5

out of 5

POSTED: | BY:

You all have been beyond helpful.

You all have been beyond helpful.
5

out of 5

POSTED: | BY:

yes

yes
5

out of 5

POSTED: | BY:

Years agoI learned the hard way by not listened to my vet about a new pet medical insurance called Trupanion.

Years ago,I learned the hard way by not listened to my vet about a new pet medical insurance called Trupanion. I emptied an entire ($15,000) savings account trying to help my beautiful British Shorthair boy with anemia. Later I learned more about alternative medicine and how that could help another cat with disautotonmia an autonomic malfunction of the digestive system. Trupanion covered Frosty for over $29,000. My present 7 year old American Shorthair male Is receiving HBOT (Hyperbaric Oxygen Therapy) for Pancreatitis and IBD(constipation) in addition to his increasing heart murmur because I decided to purchase every coverage Trupanion offers. (Total HOBT for 2 days is $425 every week) My cat is the first in Washington state to receive this HBOT treatment. HBOT is a very humane effective treatment that allows Henry to live his life in addition to specific medications as deserving pain free family member as possible. Literally this has given Henry his life back. To afford most of his July 2021 ER visits alone (IBD-C) or his twice annual echocardiograms and heart meds would cause most people to euthanize their pet. Many people spend nearly as much or more on coffee in one month as I spend on a tremendous medical policy for my cat. Being in an area with my exceptionally educated vets and referral specialists coupled with Trupanion means my cat has a chance to live and be helped at any time without limitation. I love this animal. I choose to care for him as I choose only a Level I trauma center for my own medical needs. Having my cat run, happily play, eat without vomiting, use his litter box without crying or having to endure several enemas for IBD(C) and have tremendously reduced Pancreatic pain is priceless. Also receiving echo- cardiograms for several years is priceless for his cardiac situation. One cannot forecast human or animal problems. I choose to protect my pet as I do myself. My 7 year old boy is worth much more than a cup of coffee a day. I live in a retirement community. People see me taking Henry to treatment sometimes several times a week. People ask me about expense. I tell them about Henry and of my female with disautonmia and what Trupanion has paid for her treatment. I give them Trupanion's name, they do the research, and more often than not I receive an email shortly thereafter saying they have insured their pet with Trupanion. It is more important to cover serious problems than to get a few dollars off maintenance with long term limitations on more serious or chronic problems. I tell them what Henry's compounded heart meds cost a month and what Trupanion covers without exception for life, no cut off coverage value. Most have not heard about Trupanion and are amazed to read your website. Having a pet without Trupanion is equivalent to driving without insurance.

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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