Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,426

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: Mia Swartz

Well worth it!!

Having gone through a tragic brain cancer with a furkid that was extremely costly--it was very nice to have a smooth experience with my (insured) current pup when he fell ill. He needed an MRI for acute back pain and Trupanion was all over it and true to their word on specialty coverage. It made the decision to treat my pup less painful cost wise. Highly recommend!
5

out of 5

POSTED: | BY: claire zvanski

First call! Best service!

This is my first need to contact Trupanion. Can't believe how helpful she was (Audrey? sorry...meant to write it down). Business taken care of promptly & efficiently. Discovered your website, as well. HOORAY! Had no idea you were 24/7 which is FANTASTIC! And, my pup lost his Trupanion tag so replacement on order. Had no idea how user friendly you are. Now I know why my vet recommended you to me so many years ago! THANK YOU VERY MUCH!
1

out of 5

POSTED: | BY: Jeff

DO NOT WASTE YOUR MONEY!

DO NOT WASTE YOUR MONEY!! Do yourself a favor and take whatever your monthly premium is and save it in your own account to use in the event of an issue with your pet. Trupanion will deny whatever they can to avoid reimbursing you. After having a policy for over 3 years on my dog, my claim was denied stating a preexisting condition. Despite an appeal by my veterinarian stating that this preexisting condition cannot be solely blamed on the need for correction of this new issue, the claim was still denied. My dog has patella luxation which they are stating caused her tear in her cruciate ligament which required surgery. Although that can certainly be a predisposition per their documentation, it is not always causative and dogs without luxation can tear ligaments. Their is no proof to state that one problem is the cause of the other. In fact literature states both that “a dog can experience years of normal ‘wear and tear,’ which can leave the ligament weak and prone to full rupture” and that “ligament ruptures as a result of long-term degeneration, whereby the fibers within the ligament weaken over time”. Trupanion will simply reply with a stock response that states “we understand the result is not the outcome you hoped for” while lacking compassion and individualized case-by-case evaluations. Beware of the laundry list of limitations they have to ensure a way for them to deny a claim. I wish I had read reviews before I obtained the policy. I can assure you I will never recommend trupanion.
5

out of 5

POSTED: | BY: Kristin Theriault

ER Room Decision made easy

I’m on my third dog. My first two we didn’t have insurance. We decided this time around to save a rescue and part of the agreement was to have pet insurance for the first month. We did so with the intention of canceling within the 30 day agreement. Of course time went in and I forgot. My rescue Stella ended up eating something that was lodged in her intestine. ER doctors said surgery was necessary at a cost of 4500-8000. This was not an expense we could afford. Not knowing what Trupanion would cover we called. To our amazement we were able to cover the cost knowing Trupanion was there to help. Stella is doing great thanks to a hard decision being an easy one. Thank You Theriault Family
5

out of 5

POSTED: | BY: B.L. Ochman

I've been with Trupanion for 20+ years

Trupanion is currently insuring my third dog since I've been their customer. The service is great, the people who work there have always been helpful. It has become much more expensive in the past couple of years, which I am not pleased about.

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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