Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 63,021

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: Susan Kosko

Efficient Process …

I submitted my first claim following my dogs TPLO surgery. The process of filing a claim moved quickly. Customer service was readily available and updates were provided throughout. Our payment was received within a week of approval of the claim. I could focus my energy on taking care of my pup
5

out of 5

POSTED: | BY: Jackie King

Helped me save my cat

My cat ate a friend's headband (6in of elastic). I rushed him to the emergency vet right away since his regular vet couldn't see him. They were able to x-ray him and see it in his stomach. Because it hadn't yet moved to his intestines he thankfully didn't need surgery. Instead they were able to put him under and use a scope to allow the technician to pull it back out of his mouth. The whole procedure only took a couple of hours and he was back to normal. I'm so thankful I had Trupanion pet insurance so that I only needed to pay a portion of the cost and was reimbursed for the rest. Even without surgery his operation was nearly $3,000, had he needed surgery it would have been closer to $7,000. I really think everyone should have pet insurance in case of an emergency. Hopefully you'll never need it, but if you do, it can really save you financially. The claim process was really easy. Just submitted the itemized invoice and Vet information. Highly recommend.
4

out of 5

POSTED: | BY: Carey Lynne Penwell

We have been very blessed that we have…

We have been very blessed that we have not had to use this insurance. I do have a peace of mind knowing it’s there if I need it.
1

out of 5

POSTED: | BY: PaPa Real Estate

This Company is nothing but con artist…

This Company is nothing but con artist and scam artist though do what they can to get you to pay money up front by taking tell you oh yeah you can tell the veterinarian to call us and download our software and will be able to pay the veterinary immediately my dog died because of these con artists run as fast as you can because this is one of the worst companies the you can do business with specially for your beloved family member or animal like me my dog was my family member I hate them and I hope they all burn in hell for what they did
4

out of 5

POSTED: | BY: Patti Taylor Smith

Fortunately we haven’t had to file a…

Fortunately we haven’t had to file a claim, but it is so comforting knowing that in the event of sickness or injury, my fur baby and my bank account are in good hands.

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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