Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,411

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:

Trupanion is a real life saver literally.

Trupanion is a real life saver, literally. Compared to how much an unexpected vet bill can set you back, as anyone with a pet will tell you, what I pay for Trupanion is basically pennies. And the peace of mind it gives me is priceless. When my dog was found to have a heart murmur, I was easily able to afford a cardiac workup to make sure it didn't need further treatment. It's such a relief to know that I can make decisions for my pets' health without worrying about expense. Their employees have been nothing but professional and helpful every time I've had to reach out to them. I recommend them to everyone who is considering getting a new animal friend. They are really the best out there, and since my vet has the Trupanion direct pay thing I don't even have to worry about getting reimbursed.
5

out of 5

POSTED: | BY:

The overall experience is excellent

The overall experience is excellent
5

out of 5

POSTED: | BY:

Great Coverage!

My vet recommend Trupanion and I also saw that they had high recommendations on dog facebook pages. It was easy to sign up. I wish the coverage rules were outlined better when filling out a quote but I found them after signing up officially. It looks really easy to submit a claim and it looks like they cover more than most pet insurance plans.
5

out of 5

POSTED: | BY:

A bit disappointed

I was disappointed to learn that none of my bill was covered because of a "pre existing condition".I chose Trupanion over other insurances because when my dog first herniated a disc in her back at the age of 3,I didn't know pet insurance existed.I paid for that surgery.No one would write the insurance after that. Trupanion was the only one that would take her on and I was so grateful. Well, I figured I'd have a higher deductible or pay a little more in monthly premiums but when she herniated a disc in her neck,10 years later, nothing was covered, not even a little something.Luckily I was able to afford the bill though I am still paying on it. It is hard to imagine folks that can't pay the bill to have their pet taken care of. What do they do?Put their pet down? I can't imagine. Trupanion was great when my dog had bladder problems so I would recommend them however, if you get a pet start the insurance day one because then there are "no pre existing conditions" Reminiscent of human health insurance.
5

out of 5

POSTED: | BY:

I love the customer service they always seems so caring and knowledgeable about everything and very concern about my pet which is my world

I love the customer service they always seems so caring and knowledgeable about everything and very concern about my pet which is my world

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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