Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 63,007

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: Beatrice

Trupanion is a very good pet insurance

Trupanion is a very good pet insurance. My dog is 12 1/2 years old and had to have ACL surgery and recovered well. Trupanion paid 90% of the cost less the deductible. Than she had to have herniated disk surgery she wasn't walking and now she is walking and running around. Without this insurance we wouldn't have been able to afford the two surgeries. Now our dog has quality of life.
1

out of 5

POSTED: | BY: Jessie G

Illegal marketing tactics

They purchased my email and phone number illegally from my vet, and began sending unsolicited emails and texts. Their marketing does not comply with CAN-SPAM (no permission was obtained) and if their practices are anything like their unethical and illegal marketing, stay far away.
5

out of 5

POSTED: | BY: MZ APRIL LYNNE

SO GRATEFUL TO HAVE TRUPANION INSURANCE!

I am thankful to have insurance with Trupanion as I have had to use it, unfortunately. It has helped save me a ton of money in the long run with the conditions that my dog is experiencing during this season of his life. The claim process with Trupanion is very easy and seamless. I appreciate the overall customer service.
4

out of 5

POSTED: | BY: Sebastian

Very helpful customer service

Very helpful customer service. Immediate assistance to get you covered. Just need to be okay with paying a monthly fee, but at least you can feel secured that your pets are covered!
1

out of 5

POSTED: | BY: Stephen Leonard

DO NOT BUY A POLICY WITH TRUPANION

I enrolled with Trupanion in April 2021, paying approx. $150 for enrollment and the first month's premium. After a 30 day waiting period, during which I received no coverage, I was charged the 2nd month's premium. Approx. 2 weeks later (a total 6 weeks after enrollment and after paying a total of $250), they notified me to visit the website for a list of all the exclusions from coverage under the policy. The list of conditions excluded was 2 pages long and excluded virtually everything. I cancelled the policy and I expected a full refund (with the exception of the approx $50 enrollment fee). What I got was a $6.31 credit. So they charged me approx $240 for no effective coverage and they took 6 weeks to notify me of the exclusions from coverage. Today after some research I discovered that Trupanion has been the subject of several lawsuits and has been fined almost $500,000 by the Attorneys General of at least 2 states for dishonest business practices. I am going to lodge a complaint with the Florida Department of Consumer Affairs in Tallahassee. Do yourself a favor and don't wait until its too late. I don't usually review companies that I deal with. I don't usually need to and if I have a problem, the company always does the right thing. In conversations with Trupanion's customer service (and I use the term loosely), they made it clear that they do not care about doing the right thing. Don't enroll in Trupanion. #Trupanion #Pet_insurance #Pets #Vets

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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