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: Mo Robinson

Trupanion will deem your claim pre-existing- that is their business model

Terrible. Everything deemed pre-existing. My vet fought them for 6 months to no avail. Buyer beware- do not be fooled by having the piece of mind about having pet insurance- your claim will be denied. Move on... there are other reputable companies out there. Their claim at paying 90%of claims is totally a bait and switch situation. If I could just stop one person from signing up I would be relieved.
1

out of 5

POSTED: | BY: Dianne

Trupanion is a nightmare to work with

We've been with Trupanion for many years and it's been incredibly stressful. When we joined, our dog had a few issues like Addison's Disease and had indigestion/gastritis one time. They use absolutely anything they can from previous years to avoid paying. They link any and every new issues they can to "pre-existing" issues, and will not pay or budge on it, even when your vet disagrees the issues are related. They also apply a deductible for every single small new issue that comes up (even if they are related to one incident/illness), and require you to pay a deductible for each one of them (and if the vet uses slightly different language to describe symptoms, then they will also call that a new issue). It's a complete scam, and our vet has stopped recommending them because they are so difficult to work with. We deeply regret ever signing on with them, but are stuck with them now. We receive maybe 0-25% paid on each claim. DO NOT go with Trupanion, especially if your dog has ever had ANY issue prior.
1

out of 5

POSTED: | BY: Dianne Armstrong

Trupanion has been nightmare to work with

We've been on Trupanion for many years, but we signed on after our dog was diagnosed with a few issues, including Addison's disease and she had some indigestion at one time before. They use these as "pre-existing" conditions and no matter what issue our dog has, they tie it to one of these and refuse to pay. Additionally, they charge a new "deductible" for each and every issue your pet has. So if you have any slight change to a symptom, they call it a new issue, and then you have to meet a new deductible. We get between 0-25% of most claims paid. I've called and had many discussions with them and never make any progress. My vet used to recommend them, and has stopped doing so because they have been so difficult with many of his patients. He thinks they are a scam, and so do we. I DO NOT recommend them. Buyer beware!
5

out of 5

POSTED: | BY: Barbara

When my Marci had surgery in January 2020 I was so impressed with Trupanion.

When my Marci had surgery in January 2020, I was so impressed with Trupanion. They were there to answer my questions and promptly replied. Very happy with Trupanion, they took the financial worry away and I could take care of my girl with no worries.
5

out of 5

POSTED: | BY: David

Very prompt answer

Very prompt answer

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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