Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,516

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

VETERINARIAN: Chartwell Veterinary Clinic

POSTED: | BY: Lil

Policy: TC0001507072

Thank you for your review, I am so happy with having my Dusti, under the loving care of Trupanion Insurance. I recommend Trupanion to all new dog owners as I take my Dusti for walks in the park. I always tell them how great this insurance is. You always come through for Dusti and me, and I take great pride to have you on my side, when it comes to taking care of my beloved Dusti. Thank you so much for your constant care and help. Lil B
5

out of 5

POSTED: | BY: Jennifer

Best Insurance/Service for both my pet and myself

I have had Trupanion since Callie was a puppy, shes 10 now. Two weeks after setting up an account with Trupanion, Callie jumped out of my car. Over the years we have had various issues come up including two knee replacements.... She does love those squirrels. Trupanion has been nothing but fantastic each and ever time! When your pet, the one you love, is injured or suffering, the last thing you want to deal with is the headache of an "insurance" company. I only wish my human insurance was a kind and helpful as Trupanion. I have called and been told "Don't worry about that, that is our job. You just worry about your fur baby." Those words from that man, during that stressful time, will stay with me. It is part of what I think about when I refer people to Trupanion. There is literally NOT ONE bad thing I can say about them. They will not give you a reason to. They are quick with invoices and responses, kind and respectful over the phone. Its like you are talking to your family when you call. If I could be a spokesperson for Trupanion.... I would! They are everything that an insurance company should be, and more. I have never regretted getting or having pet insurance and Trupanion will be the company that I continue to choose for every pet I have. They have truly set the bar. Thank you Trupanion for taking such good care of my Callie girl. from Callie and myself
5

out of 5

POSTED: | BY: Carol

Very Satisfied for over 13 years

We have had Trupanion for 13 years now, and would never choose another insurance carrier....Trupanion has been wonderful!!
5

out of 5

POSTED: | BY: Ronald

Sarah was very helpful and sent us the forms we needed immediately.

Sarah was very helpful and sent us the forms we needed immediately. We are still working through your process and getting the forms and invoice in the mail.
5

out of 5

POSTED: | BY: Frances

A company that has your back

It is quick and easy. When I’m at the vet the last thing I want to be worrying about is filling out the claim. I love that with Trupanion the vets office can do it for me and I get an answer very quickly. I also love that it is directly paid to the vet so no extra hassle.

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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