Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,073

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
2

out of 5

POSTED: | BY: Christine

RIP YOU OFF YEAR AFTER YEAR!!!!

Every year Trupanion has increased my monthly premium by at minimum $25-30. Their reason is because the overall cost of veterinary care in my area. This is ridiculous because my own vet does not increase their cost. My rescue dog's premium in the 4 years I have had him has gone us from $85 to $172 monthly. He has urinary incontinence and his medication is $100 monthly so not sure if his policy is worth cancelling since his meds are covered at 90%. This insurance is a complete rip off since I have never had an emergency and the money spent should have just gone to savings to cover a major emergency.
1

out of 5

POSTED: | BY: Sarah Michelle Graves

This company mislead me to believe all…

This company mislead me to believe all my benefits would start right away with the promo. When I went to use some of my benefits, I was told they didn’t start until the promo was over. I canceled my plan and they continued to bill me over $400 anyways. They are crooks and liars who advertise false promos and Services just to get you to sign up with them so they can take your money and run this is such a scam and now I’m having trouble getting a refund for services I definitely did not receive
4

out of 5

POSTED: | BY: Dave Benjamin

The devil is in the details

Trupanion responds pretty quickly. Couple observations: 1. Examination fees are NOT covered. 2. Unlike human health insurance, the deductible is per visit, not annual, so be prepared to pay out per visit unless one pays a higher premium to lower or reduce the deductible to zero. Otherwise the service is good and one knows the value of recovery by the end of the pet’s visit.
5

out of 5

POSTED: | BY: Lorraine

Trupanion rocks!!!

You guys have given me nothing but piece of mind let alone ease on my wallet and I truly appreciate it. I can’t say enough good things about your company. Simon has had the best care ever from Park Vet over the last 10 years so here’s to many more.
5

out of 5

POSTED: | BY: MR

Trupanion is there when you need them

After my dog passed away and i had a lot of invoices to submit, Christopher made sure that I got paid right away, was truly caring and professional. Unlike the other insurance company that i had to fight for to get paid, Trupanion made the process super easy and I got paid right away. I highly recommend Trupanion!

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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