Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,372

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: Rebecca

Compassionate Professionals

The utmost professionals, who are compassionate and caring. All claims taken care of in a timely fashion!
5

out of 5

POSTED: | BY: Darin N

Setting the quality standard for medical insurance for pets

I have been a Trupanion client for both of my pets for 8 years. While I haven't used it frequently the times I have used it they do exactly what they say. My last experience was my Weiner dog getting a severe lung infection that required him to be in an oxygen cage for 6 days. The total bill was 11,000 and Trupanion paid just under 10,000 which paid Sam's premiums for about 8 years. Sam was unlucky but made it and we love him so much. All it takes is one emergency, one orthopedic surgery, cancer etc and we as a pet loving family are faced with tough financial choices. For around the cost of a cell phone bill or internet bill you can protect pets who bring so much unconditional love. Its not the cheapest policy but buyer beware. So many pet insurance companies when you actually read the policies have exclusions that Trupanion doesn't. Its not like comparing Allstate or State Farm. Darin Woodinville, WA
5

out of 5

POSTED: | BY: Terry

TRUPANON VERY EASY TO WORK WITH DURING…

TRUPANON VERY EASY TO WORK WITH DURING OUR DOGS TORN ACL, NO COMPLAINTS,
5

out of 5

POSTED: | BY: david

Very courteous and helpful

Very courteous and helpful. Answered any questions. They would also ask how my dog was when I called which is very nice.
5

out of 5

POSTED: | BY: Jake

Trupanion afforded us the chance to save our beloved dog.

Over two years ago, our dog Boston was stricken with a neurological disorder that caused swelling in her brain and required numerous tests and, ultimately, extensive treatment in the form of chemotherapy, steroids, and anti-seizure medication. Without Trupanion, we wouldn't have been able to afford even making the decision to get her a spinal tap and an MRI in an effort to find out what was wrong. Following her diagnosis (meningitis of unknown etiology), Trupanion has covered ALL of her treatment, which has included monthly chemo, nearly a year of prednisone, and other daily meds which she continues to this day. Though the doctors initial told us that a very good result of the treatment would be 6-9 months, we are now passing the 2-year mark and she is off the chemo and prednisone. Thank you to her amazing care team and Trupanion for making it all possible.

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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