Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,144

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: Allen Ghandour

Absolutely sucks as a company.

Absolutely sucks as a company. They draw you in with all their niceness, making you forget its business. That they care for you. at the end, its all bull. I've never had such a tough time in my life putting my first claim through insurances. Trupanion made it a living hell for me to put it through, having me call my own doctors to provide more information as they're incapable of doing. Oh, and calling customer service? They all read off a damn script when you begin to push why your animals need more information/etc. I've had trupanion over a year for my kitties. Only had two claims to put. Both denied. Never again am I going with this company. Go with Embrace. Edit: Trupanion has reached out to me after this review (Wow, now they care about my situation?) Unfortunately, it ended up in an 30 minute call with them re-explaining to me why they weren’t able to cover a claim. Funny how they ask us to provide proof on how two, logically unrelated conditions are unrelated with vet’s approval (by the way, no vet will put themselves into this situation. I’ve been told by two vets already, if they’re asked to explain how a condition is unrelated to another, its a trick question.) Not to mention they make you do all the dirty work by bothering vets to write letters and such, as if trupanion doesn’t have the ability to simply email the vet and ask them formally for the explanation. My vet would take a trupanion official email way more serious than me just asking him. But when confronted to explain why they think its related? “Uh, well,you mentioned that your cat gagged a month ago. Him losing his voice now is related.” Thanks, “we’re always here for you.”
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1

out of 5

POSTED: | BY: Richard Winokur

Trupanion is a pubicly traded company that is a business.

Trupanion bases their monthly cost on the area you live in and the breed. No consideration for any personal health issues regarding your dog. I started with Trupanion when the dog was 6 months old to lock in a low rate. Luckily he has few health issues but Trupanion has raised his rate from $50 monthly to now $215 monthly even though the dog has no health issues other than a medication that he takes that costs less than $50/month. They are completely impersonal and care more about their business than the individual dog owners and the dogs personal medical issues. I have been lucky to have a healthy dog but unlucky to have chosen Trupanion due to them raising the monthly cost more than 430% since I started with this insurance company. I understand this is a publicly traded company that cares more about its shareholders than any personal consideration for you or your dog's health. I have been totally ripped off by this company but have no other recourse other than to inform other pet owners to beware of this company that will more than quadruple your rates once you choose them to insure your pet.
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5

out of 5

POSTED: | BY: Crystal

We just can’t say enough great things…

We just can’t say enough great things about Trupanion!! They are so easy to get in contact with and very fast with getting claims taken care of. We highly recommend Trupanion!!!
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5

out of 5

POSTED: | BY: Terence

I would like people to know about…

I would like people to know about Trupanion and the professionals they have working for them. A few weeks ago my dog Harley got severely sick and needed help and the cost was high. When I called Trupanion and explained my situation to Elizabeth without hesitation she started my claim so I could have my boy home with me and my family. I cannot say enough about the help I received from Trupanion I am very great full that I had them for my dog and recommend them to anyone who has a pet
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5

out of 5

POSTED: | BY: Isabel

I have insured my dog since he's been a 6 moth old pup

I have insured my dog since he's been a puppy through trupanion. My dog was diagnosed with a pretty rare disorder and he occurred some substantial vet bills. I paid the bills out of pocket thinking well if they just pay anything it would be a blessing. I was shocked when they paid exactly what the contract stated they would pay the full 90%. I have never been more pleased with a company and recommend them to anybody who'll listen. It's stressful enough to have your pet sick. But, having trupanion takes the daunting Financial aspect out of the equation so you can concentrate on your pet . Trupanion is totally a piece of mind for me and my family. susie
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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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