Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,153

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: Heather

Coverage is CLEAR, Service is REALLY FAST, Support is TRUE

I’m up early tending to my hound, who is recovering from her second surgery (they were unrelated) in 3 months during this horrible year of covid. I’m feeling so grateful for Trupanion that I’m going to write this review. I adopted my pup in 2012 and investigated pet insurance after her first puppy illness that included hospitalization and cost me $2500 (It took me a year to pay that off). On the one hand, this felt like buying a barn door after the horses got out; on the other hand, the low deductible I set and the clarity of what is covered and what isn’t has helped us provide my hound with the best possible care for 8 years and counting—I don’t hesitate to take her to the vet to have something checked, I don’t try several snake oil homeo remedies for months trying to save a dime while a condition gets worse, I call a vet and go. Until October, I was unaware of how well the process for surgery worked: my vet directly submitted an estimate, Trupanion then preapproves what’s covered and let’s the vet and me know, then the checkout process is also easy and FAST and CLEAR, the vet gets paid directly and I pay the remaining (Care Credit is wonderful for this, especially at the end of a month when cash is low). I can submit claims electronically, I can have funds paid directly to me or the vet, I can review what was covered at anytime on my Trupanion account page. My point is, I have had a really tough couple of months with my dog, and THANK YOU TRUPANION for being a BRIGHT LIGHT OF COMPETENCE and COMPASSION throughout.
5

out of 5

POSTED: | BY:

Trupanion Saved My Little Pip's Life

Two weeks ago, blood work revealed that my 4-year-old kitty Pip was extremely anemic and required a blood transfusion. Had it not been for Trupanion, I may have had to put my little girl to sleep. Instead, Trupanion covered most of Pip's $12,000+ of expenses for her hospital stay, blood transfusion and on-going care. They paid the vet directly so that I didn't have to max out my credit cards to get her the care she needed. I am so grateful to have my Pip at home with me now and recovering.
5

out of 5

POSTED: | BY:

This is the first claim that I've submitted and I haven't received any payment so it depends on how easy this process will be.

This is the first claim that I've submitted and I haven't received any payment, so it depends on how easy this process will be. That's why the neutral rating. BUT Chad was great to work with online.
5

out of 5

POSTED: | BY:

This is my first experience with pet insurance so I really don’t have a reason to recommend it until I know more about how it may or may not be helpful.

This is my first experience with pet insurance so I really don’t have a reason to recommend it until I know more about how it may or may not be helpful.
5

out of 5

POSTED: | BY:

Papillon

The man that helped me when I called made it very easy. He was knowledgeable and very pleasant.
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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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