Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,305

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: Robin

Pleased & relieved

After a sad and expensive experience with a previous puppy , I decided skeptically to try Trupanion. At the start, the folks at Trupanion were helpful and courteous. A few months passed. Then it happened. My new pup ate, not one, not two, but three socks. The third sock required surgery, a couple overnights at the Vet and $$. Afterwards, I brought him home, filed my claim and waited hopefully for a result which brought tears to my eyes when I received it. As I said, at the start Trupanion was helpful and courteous. Well, add ‘a blessing’ to that description. They were available 24/7 for my questions & except for the examination fee, which I knew they did not pay, they covered everything else. I was beyond pleased, so relieved and able to focus on my pup instead of the bills. Thank you Trupanion for the excellent service & laying my skepticism to rest. Pup thanks you too!!
5

out of 5

POSTED: | BY: Heather

Peace of kind

'It could be a ruptured disc." The only word I recall from the ER vet who called us, as we waiting in our car outside the emergency vet hospital. We accepted her diagnosis and approved our pup to stay overnight to be transferred to the vet neurologist the next day for and MRI and possible surgery. We immediately called Trupanion and spoke with Ari who out us at ease and clearly outlined next steps. Two days later we were able to pick up our pup from the neurologist, without surgery being necessary. I submitted the claim the next morning. I immediately received a confirmation email with details on what to expect. Within 48 hours our claim was processed and included concise details regarding the claim. Overall having Trupanion made the decision for care much easier knowing we had piece of mind for the coverage. The ER vet even asked if we had pet insurance and when we told her we had Trupanion she said 'Excellent, they are the good insurance!'.
5

out of 5

POSTED: | BY:

Worth it!

Trupanion is one of the best investments I’ve ever made. It’s been a lifesaver with all of my dog’s issues. They process and pay claims quickly.
5

out of 5

POSTED: | BY:

We very helpful with a crazy change to my account that I didn’t do.

We very helpful with a crazy change to my account that I didn’t do.
5

out of 5

POSTED: | BY:

We are very happy with trupanion

We are very happy with trupanion
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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 Pet Insurance detail
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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