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
We have been insured with Trupanion for over 5 years and this is the first time we have had to submit a claim. We couldn’t be more satisfied. Approval came within a few days after uploading the invoices and funds were deposited in our bank account shortly thereafter. We would definitely recommend Trupanion.
5
out of 5
POSTED:
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Trupanion is a great company.
Trupanion is a great company. Very helpful
5
out of 5
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Sweet Touch
There were questions that needed to be clarified prior to processing, however the representative was nice and knew my Genghis by name!!!! Such a sweet touch to customer service, sure makes a stressful time manageable
5
out of 5
POSTED:
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Primarily that you process the claims quickly although at times I find it difficult to understand the explanation of benefits.
Primarily that you process the claims quickly although at times I find it difficult to understand the explanation of benefits. The site itself is easy to use although there are a few items I'd like to share my feedback on.
Update Payment Details
1) I feel the word "Update" should be removed from the menu. Once you select this option, the heading reads "Payment Details", and the menu should match the initial heading. Once users select the menu option, it's pretty clear that you have the option to update any of the payment methods by selecting the "edit" button.
2) In addition, if the system recognizes that a user has direct deposit for their claims, the "Did You Know" message that automatically displays from the right of the screen is a little annoying. Why would I receive a message asking 'Did you know you can sign up for direct deposit...(or whatever ir said)?' if I have direct deposit already. It makes a user think that there is something wrong.
3) I know I can submit a claim and have you pay my vet directly but I wouldn't have known that I could have it processed before I leave the vet's offce had I not selected "Activate An Offer" and viewed other page information. If this is an option, couldn't there be a section under Update Payment Details>Payment Details>Claim? I would think the Claims section would have an additional option to "Pay My Vet Directly". Then a message "For a list of participating clinics/hospitals/veterinarians etc.", then display the "Select your state" with the drop down of states. The customer would need the option to select the Vet, and Trupanion would most likely need to create a process on the back-end to initiate a message to the Vet indicating which customer and pet the option was chosen for. Once acknowledged the Vet would be added and added to the Claims section. The chosen Vet would typically be displayed within the Claims section with a "Pending" message until the Vet sends an acknowlegement. Additionally, the customer should be able to add multiple Vets. The Chewy.com site has something similar for their prescriptions.
Add A Pet
1) Was I still on the Trupanion page or taken to a third-party site since all the menu options disappeared and it's a different look and feel? If it's a third-party, you could have the customer complete the form on your site by imbedding the underwriter's form on your page. Then, a button would be at the bottom of the form with a permission disclaimer letting the customer know that the information provided will be submitted to "xxxxx". Or, keep it as it is now but provide a message telling the customer they are being redirected to "xxxxx" with an "ok" button. Once on the new page, there 'should be' an option to return back to the previous page. That's where this became confusing. Since the page took on a different look and feel, how do I know that I'm still within Trupanion's site or taken somewhere else? The customer could click on the logo to go back, but I did that and it became even more confusing as it appeared as if I had to log back in even though my name was still at the top. But when I selected "My Account" it displayed "Sign in" and a couple other things. When I selected Sign In, I didn't have to, it took me back to the main page. If I were older, disabled or didn't understand sites, these things would be very confusing. In days where spoofing, spam and all the other fraud in our lives derived on the internet, these things become important, especially to aging individuals who are taken advantage of.
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
