Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,387

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: Bill Floyd

BEWARE!!!!

BEWARE!!!!! Read the very fine print! I never write reviews, but apparently this company is beginning to accumulate several in the past month. We have had two bad experiences. At the recommendation of a highly respected vet, while in the office for first visit, we chose Trupanion. Supposedly the puppy check required by the breeder wouldn't be covered. Dog got a clean bill of health. We were told coverage would be retroactive starting with that visit. A week later, the dog started gnawing on her back leg. We took her back and the vet provided something (Which I don't remember.) We asked that the bill be sent to insurance. IT WAS REJECTED FOR A PRE-EXISTING CONDITION! How does one have a pre-exisitng condition when the week before the dog was healthy? We appealed a couple of times and gave up. During my due diligence, right after the first visit, I had called Trupanion and spoke with someone about spaying the dog (As required by the breeder) they said it would be partially covered. (The vet had also said the same thing) So we thought it would be a good tradeoff, insurance would help lower the cost. We just had our dog spayed, and Trupanion rejected the claim. No elective surgery and another pre-existing condition. Maybe the website has always read as it does now, but I am generally pretty careful about financial matters and am pretty sure I would have caught some of the carefully worded phrases. We are out over $400 for premiums!
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5

out of 5

POSTED: | BY: Rosa

excellent service with quick response

I have always been impressed with the response from this insurance when I call. It is much better than the response I get from my health insurance. I can tell that the persons I have talked to really care about our pets. Keep up the good work. I do recommend the insurance to my friends and I feel good that we have it for our pets.
5

out of 5

POSTED: | BY: Shannon

Too many Deductibles

1st my claim was denied and when I appealed it it was approved, But for whatever reason the charges were ineligible. Then my dog had the surgery and 2 separate deductibles were applied because they did to procedures during the one surgery. To me a deductible should be paid one time per year. When I dealt with the staff they were always courteous and responded promptly. I probably would not recommend trupanion until they revise their pre existing and deductible protocols
5

out of 5

POSTED: | BY: Vincent

The staff is caring, courteous and professional .

The staff is courteous , caring and very professional.
1

out of 5

POSTED: | BY: Elizabeth

Very disappointed with claim process

I have had Trupanion for many years and have never made a Claim. Recently, we needed to take our Pet the a Vet ER. She was in Respiratory Distress and this is life threatening. I filed a claim only to have it denied stating this was a Pre-existing conditioning. The ER Vet also thought our Pet had a Heart Murmur which was news to us. We brought our Pet to our Vet who confirmed she did not nor has she ever had a Heart Murmur. Despite submitting all the necessary medical records to dispute this, I am now informed my Vet must submit and appeal. I am not certain who they use to review the claims but it is apparent they do not know medical terminology. or the hope is the Vet will not have time to dispute. This was the first claim I submitted and our Pet is 12 years old. Very disappointed that they are making this so difficult and I do not understand why I have been paying monthly premiums only to be denied coverage. I would not recommend Trupanion
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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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