Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,240

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've never had a problem with them helping me with payment ajustments questions and most of all kind and curious to me .

I've never had a problem with them helping me with payment ajustments , questions, and most of all kind and curious to me .
5

out of 5

POSTED: | BY: Cody

I don't know what I could have done with out Trupanion

I had hoped to never have to use the policy but after having owned 4 Shelties before Cetan and not having health policies for them I decided to get one for Cetan. He was the picture of health and a very playful and active Dog. His disease came out of nowhere and slowly and my vets had to perform many different and expensive tests to find out the cause. Now it looks like the current medication may cure him but only time will tell. The medication has some side effects but is the one with the least side effects of all. My Vet had information pamphlets in her office from 3 different companies and Trupanion had the best ratings and recommendations of them all. So I decided to try them. I'm glad I did, I would rather have paid my premiums every month for all of my Dogs and never have had to use the insurance. But Trupanion was there to help us. Everyone I talked to on the phone was very kind and helpful and that helps in times of uncertainty when my pet was looking very ill. Handling my claims online was easy and the payments were sent to me very quickly. Trupanion has better coverage than some of the human health insurance policies I have had and I have to say I owe my Dogs life to Trupanion.
5

out of 5

POSTED: | BY: Michelle G

Simply the best

Trupanion has been nothing more than amazing. To hear that boy Nikko has cancer was one of the most heartbreaking days I could have. Going through the shock of hearing such horrible news and having no signs at all was hard to comprehend. When I made the call to Trupanion to try to find out how to file a claim, the person that I spoke to was so compassionate and showed so much empathy for what we were going through. The stress of everything with doctors visits and just the entire emotional roller coaster of everything, Trupanion took the stress away and made it a little easier. I would recommend Trupanion to anyone that loves their fur babies.
5

out of 5

POSTED: | BY:

Your customer service person was so knowledgeable and kind.

Your customer service person was so knowledgeable and kind. Claim was handled Very efficiently.
5

out of 5

POSTED: | BY:

Great experience

Very easy to sign up, recommended by friends and my vet!

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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