Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,952

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: Jennara

Lifelong Coverage of Chronic Diseases and Breed-Specific Conditions

When I got my two Cavaliers as puppies, I researched pet insurance companies. I decided on Trupanion because they offered the best coverage, and especially because Trupanion covers BREED SPECIFIC CONDITIONS! This is amazing, as many of the pet insurance companies won't cover any problem that is breed specific. Trupanion also offers different levels of deductibles (I chose the $1,000 deductible). And boy, and I glad I have my boy Milo and my girl Bianca covered (they're now six years old) -- because while Milo hasn't had a problem in his life (knock wood), Bianca is a Very Special Episode of Cavalier Spaniel. When Bianca was two, she managed to injure her back, for which she had hydrotherapy, accupuncture, massage, and chiropractic; she still gets accupuncture and chiropractic for that injury -- which Trupanion still covers. I couldn't possibly have afforded treatment such as the hydrotherapy and on-going chiropractic without Trupanion's help. When she was four, suddenly she wouldn't eat or drink. Blood testing revealed she has Addison's Disease, which requires lifelong treatment -- which Trupanion is covering. Lifelong. In addition to excellent coverage, Trupanion's employees are friendly, knowledgeable, and sound as if they actually care about my dogs. It's such a relief knowing Trupanion always has my back when the vet bills come in. And to know that if my Cavaliers develop MVD (Mitral Valve Disease; considered a breed-specific condition in Cavalier King Charles Spaniels) Trupanion will cover their treatment. I highly recommend Trupanion!
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1

out of 5

POSTED: | BY: Nik

I should have kept my money

Trupanion works to "interpret" bills so they don't have to cover what they don't want to, despite what our dogs veterinarian said was necessary treatment for his injury. They artfully justified paying less than 20% of what the procedures cost when my dog was injured. We would've been much better off just keeping they money we paid them in our bank account, and using that to take care of our dogs. To add insult to injury, when I called to cancel they kept me on the line for another 15 minutes trying to sell me on buying additional services from them and raising my deductible with them to lower the monthly cost. I kept repeating that I just wanted to close my account and the customer service rep insisted that she needed to keep reading the sales script before she could help me.
1

out of 5

POSTED: | BY: S

BEWARE French Bulldogs, Pugs, Boxer ETC. DO NOT USE TRUPANION. Use tactics to pay you less, read below. DO NOT USE TRUPANION

Beware, do not waste your money with Trupaion. First- I have a 2 year old French Bulldog who is Brachycephalic. THEY DO NOT COVER Brachycephalic problems!! Meaning if you have a pug, boxer, french/english bulldog, boston terrier, pekingese, king charles cavalier, your pets breathing surgery (if they need) or any related problems are NOT COVERED. In addition, they find ways to pay you less. Read Example below: I had an emergency visit where my dog was bit by another, and had a lacerated tongue and had to get 6 teeth removed. I had two hospital visits totaling $1000. My deductible is $750 to start receiving coverage. The first visit included an $150 emergency evaluation fee + services in total of a $244 visit. (The $150 visit fee is not eligible for refund, but does count toward my deductible). The second visit was the remaining $767. Instead of counting the $244 visit toward the deductible (remember, including an $150 emergency evaluation fee that counts toward deductible, but not eligible to be refunded in a payout), they took the deductible from the second visit ($767), and counted the $244 visit (WHICH WAS THE FIRST VISIT) toward the payout, conveniently so that I would only receive a payout not including the $150 evaluation. I received $83 + $17. Finding a creative way to structure the pay out so they could give LESS MONEY is the key here. if they counted the first visit ($244) toward the deductible, I would have met the deductible in the second visit, and received a payout of $234. $83+ $17 VS $234... Shady practices. avoid at all costs. The customer service people on the phone sound like they never graduated highschool and get confused when you bring up an issue, and claim to not know anything about the process.
5

out of 5

POSTED: | BY: Leslie

Dedicated

I have been with Trupanion since my dog Sky was 11 months old. They have supported my needs since then. Sky has gone through a few sicknesses and Trupanion has been a life saver.
5

out of 5

POSTED: | BY: William

Excellent service

Best policy available
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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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