Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,287

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:

I signed all four of my dogs up for Trupanion in 2013.

I signed all four of my dogs up for Trupanion in 2013. For years I didn’t really have to use it (thankfully). There were tough times financially where, as a family, we would look at our budget and see where we might be able to cut some costs. Admittedly we were tempted to cut Trupanion as it was technically something we considered optional. Thankfully, something in my gut told me that was unwise and that someday I would regret that decision...wow were my instincts right on. A year ago one of my dogs got diagnosed with diabetes. I had no idea how costly this disease is. He ended up getting cataracts as a result of the diabetes. This caused blindness in both eyes. It is beyond heartbreaking and you feel helpless seeing your dog lose their sight so quickly. There is a surgery that corrects this blindness but it is almost $4000. There are no words to describe how grateful I am for Trupanion. My dog was able to get that surgery and can see again. I am able to afford his continuing care and his insulin costs are more than manageable. It always a smooth and easy process working with Trupanion through all of this care. My other dog got diagnosed this last Fall with a Chondrosarcoma. I was advised to take him to a veterinary teaching hospital that specialized in cancer and radiation treatments. The odds weren’t in our favor but we wanted to give him all we could as far as time and comfort. Yet again, Trupanion was there for us every step of the way. I’m actually in tears right now. I really can’t type out anything that does Trupanion justice. I didn’t have to choose between the costs of treatment and my dog’s life. The customer service is incredible and everyone is always so kind and compassionate that works there. I will never not have Trupanion! My small token of gratitude towards this company that’s done SO much for me and my family is that I spread the word and have encouraged friends and family to sign up right away. It’s a comfort to know there are businesses still out there that stride towards being honorable, gracious, and genuinely amazing!!
5

out of 5

POSTED: | BY:

I recommend Trupanion often.

I recommend Trupanion often. We have never had an issue getting things covered as expected. Almost every claim we have made has been direct deposited in a timely fashion. They answer questions even in the middle of the night and their chat is great as well.
5

out of 5

POSTED: | BY:

I felt mislead by the insurance considering spading a dog a preventive treatment and not letting future customers know about it is misleading.

I felt mislead by the insurance, considering spading a dog a preventive treatment and not letting future customers know about it is misleading.
5

out of 5

POSTED: | BY:

I don't like paying $60 a month.

I don't like paying $60 a month. But I'm happy today that I have been. $3500 surgery last night.
5

out of 5

POSTED: | BY:

I did not know about Trupanion and have already told a couple of folks that I know who have recently gotten puppies to make them aware.

I did not know about Trupanion and have already told a couple of folks that I know who have recently gotten puppies to make them aware.
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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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