Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,131

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: Shirley

I have been with Trupanion for a long…

I have been with Trupanion for a long time. The people that work there have always been very helpful. I have had several claims this year. My dog Riley has had a tough time the last few months..Trupanion has been there for me they have paid my claims, and taken care of everything. I recommend them to everyone thanks for being there. Shirley Harris and Riley
5

out of 5

POSTED: | BY: Barbara

So glad I have Trupanion

Trupanion agents are always helpful and professional if I call with a question. The time between filing a claim and payment is quick. My cat has chronic pancreatitis so there are many claims. The insurance is surely a godsend for me because it pays 90% of my bills.
5

out of 5

POSTED: | BY: William Gentry

Super Insurance

Super Insurance. I am totally pleased. I highly recommend Trupanion.
1

out of 5

POSTED: | BY: Jamie Burton

RUN FROM THEM AS FAST AS YOU CAN

I don't know how this company has 4.5 star ratings because it is THE WORST!!! I've had insurance with them since 2016 for my 14 yr old dog who has bad arthritis. I am stuck because of this condition. Every year the monthly premium almost doubles and the coverage goes down. In the beginning they were great, but as the years past by they started denying almost every claim. And the ones they do pay take forever to get reimbursed. I have far too many complaints to write here, but trust me when I say find a different company to insure your pet. I'm so tired of fighting for everything with them, and losing. Things they paid for years are now being questioned and even though I pay extra for the holistic rider on his policy, they find excuses to not cover much of the holistic care. But if you want to pump your pup full of drugs they will pay for that. I think it's time to put that premium payment in a savings account instead of giving it to this horrible company. I'd save money in the long run paying out of pocket rather than this insurance which is more headache than it's worth. I will say they have very nice customer service reps who really feel bad when I call in crying because a claim was denied. It's too bad they work for such a horrible company and can't actually do anything to help. Wish I could give negative stars.
5

out of 5

POSTED: | BY: Mary

We are so happy to have chosen Trupanion when our Golden Retriever was just a puppy!!

When we brought our puppy home, we decided to purchase pet insurance. We did our research and decided on Trupanion. After 11 1/2 years with Trupanion and on going to this day, we don't have one regret. They are professional, fast and so helpful. I hear from friends who went with other pet insurance companies and am sorry they didn't go with Trupanion. With Trupanion, they are very clear what they cover, there is no fine print. They are as clear as day what they cover. With numerous surgeries (Hip Replacement and Knee surgery) Trupanion has covered 90% of Dakota's care. We are so grateful we had the coverage we did. As Dakota's senior years are here now, having all the care from previous years has helped her enjoy it to the fullest.

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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