Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,951

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
1

out of 5

POSTED: | BY: Kirsten Phillips

I wish there was a no star

I wish there was a no star. ANY star is too generous for this scam artist. On the website it states clearly that their insurance covers “unexpected illness”. Well we were unexpected as could be. Our puppy has had a clean bill of health since the day we got him from a licensed breeder. NO KNOWN CONDITIONS! We got TRUPANION just in case something serious could go down and took him to his next Wellness check. Vet then suddenly noticed an issue with his legs, told us it’s probably nothing but get a consult just in case. Like idiot responsible pet owners, we followed our ver’s advice and took him to the hospital only for Useless TRUPANION to deny our claim being ONE DAY short of the waiting period. Again, we had had zero prior knowledge and this visit was based on a hunch. Now TRUPANION thinks we can just afford an over $8,000 surgery by ourselves, gave us NO advice or avenue to dispute this shady decision on their end and now our puppy has to STAY in pain because they cannot cover him. We have been enrolled with them for exactly 4 days. Dump your plan in the trash, it’s only useful based on karma. Please make sure you keep it in case your pup gets hit by a bus. Otherwise, you won’t get any help. Even then, they’ll tell you the bus was built in 1995 so it’s a “pre-existing condition”. Not worth your money, good people.
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5

out of 5

POSTED: | BY: Rhonda

Trupanion makes it easy

On my vet's advice we purchased a policy from Trupanion. She said this type of dog( Belgian Malinois mix) commonly tear their ACL in the knee from running, jumping etc. We've been paying our premiums for about 4 years now. Sure enough this year she tore her ACL(or CCL in dogs). I started submitting claims fro xrays, anti inflamatory meds etc. Filing a claim is so easy!! They respond right away and let you know they are looking at it and then usually within a few days they inform you they have covered it! We have them pay us back so it is deposited it straight into our account. It's not 4-6 weeks! It's a matter of days! We have been extremely happy with Trupanion's service. Her surgery total has been close to $6,000. We could have done it , but Trupanion made it less of a worry of how are we going to pay for this.We are very impressed with Trupanion! I have recommended it to a few people!
5

out of 5

POSTED: | BY: SHARON

Awesome outstanding caring company.

The company is outstanding and very caring about your pet and you. I recommend it to everyone.
5

out of 5

POSTED: | BY: Janice

Best insurance

Best investment I have ever made. This company is awesome, the claim process is so very easy and quick.
5

out of 5

POSTED: | BY: James

Excellent service

Very quick service. Easy to submit claims. Always very friendly and helpful.
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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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