Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,366

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: Richard

Any representative of your company has always been extremely informative and sympathetic to our needs.

Any representative of your company has always been extremely informative and sympathetic to our needs. We always recommend you to anyone we know who has just gotten a puppy. We thank you for being a company we can rely on.
5

out of 5

POSTED: | BY: Katherine

Agent offered solutions that worked for my budget and my concern for my pet

Agent offered solutions that worked for my budget and my concern for my pet
5

out of 5

POSTED: | BY: John

Trupanion is a true friend

Affordable pricing options, great customer service, hassle free reimbursement process!
5

out of 5

POSTED: | BY: Luvsacollie

Best pet insurance company ever! Paid claim in 14 hours.

Trupanion may be the best insurance company ever! I’ve had my 2 pups covered since they were a year old and wondered if I would ever actually need it. Well, here we are 4 years later, and Clyde got a herniated disc in his spine. How did this happen? No one knows. He is not overly active or sporty. The doctor says that his breed (he is a rescue mutt, but we suspect he is a mix of Jack Russell & Beagle. Who knows, maybe there is some dachshund in there too?) is predisposed to this type of spine injuries even from normal activity. It appeared to start with a sore back and his primary vet treated him with anti-inflammatory and Pain medication. This appeared to be working but then all of a sudden, Clyde had a setback and it was clear that we had to take him to a specialist. The Neurologist kept him overnight for observation and when he was worse by the next morning, they did emergency surgery. I would’ve found a way to pay whatever it cost to take care of Clyde.... even have sold my left arm if I had to. But thanks to Trupanion, I didn’t have any of those concerns. In these particularly difficult times of the Covid-19 Quarantine and our company being closed, I was able to take comfort knowing that my four-legged child was taken care of, no matter how high the cost. Trupanion has no-limit on the amount they will cover to save my baby. Prior to selecting this insurance company, I did a lot of research and Trupanion had the best terms and best reviews. I was certain I’d made the right decision but, to be honest, until you actually use it, you never really know if all the reviews are true. Having used this insurance now, I can personally attest to the fact that Trupanion is a great company and they do what they say they will and they do it in a expeditious manner. I submitted my vet bills online to Trupanion at 4:55pm on a Wednesday. I fully expected to hear back from them sometime the following week. To my surprise, at 7:15am the NEXT MORNING, I had an email stating that my claim was approved and would be paid immediately. That is a 14 hour turnaround time. I was shocked. The money hit my account that night and was available in my account the next day. ASTONISHING! (In case any is wondering, a herniated disc in a small dog cost about $6000). Trupanion is an upstanding company in a world where companies seem to do as little as they can get away with these days. I recommend Trupanion hands down, to anyone who would like health insurance for their pet.
5

out of 5

POSTED: | BY: Michele

Best pet insurance company ever! Paid claim in 14 hours.

Trupanion may be the best insurance company ever! I’ve had my 2 pups covered since they were a year old and wondered if I would ever actually need it. Well, here we are 4 years later, and Clyde got a herniated disc in his spine. How did this happen? No one knows. He is not overly active or sporty. The doctor says that his breed (he is a rescue mutt, but we suspect he is a mix of Jack Russell & Beagle. Who knows, maybe there is some dachshund in there too?) is predisposed to this type of spine injuries even from normal activity. It appeared to start with a sore back and his primary vet treated him with anti-inflammatory and Pain medication. This appeared to be working but then all of a sudden, Clyde had a setback and it was clear that we had to take him to a specialist. The Neurologist kept him overnight for observation and when he was worse by the next morning, they did emergency surgery. I would’ve found a way to pay whatever it cost to take care of Clyde.... even have sold my left arm if I had to. But thanks to Trupanion, I didn’t have any of those concerns. In these particularly difficult times of the Covid-19 Quarantine and our company being closed, I was able to take comfort knowing that my four-legged child was taken care of, no matter how high the cost. Trupanion has no-limit on the amount they will cover to save my baby. Prior to selecting this insurance company, I did a lot of research and Trupanion had the best terms and best reviews. I was certain I’d made the right decision but, to be honest, until you actually use it, you never really know if all the reviews are true. Having used this insurance now, I can personally attest to the fact that Trupanion is a great company and they do what they say they will and they do it in a expeditious manner. I submitted my vet bills online to Trupanion at 4:55pm on a Wednesday. I fully expected to hear back from them sometime the following week. To my surprise, at 7:15am the NEXT MORNING, I had an email stating that my claim was approved and would be paid immediately. That is a 14 hour turnaround time. I was shocked. The money hit my account that night and was available in my account the next day. ASTONISHING! (In case any is wondering, a herniated disc in a small dog cost about $6000). Trupanion is an upstanding company in a world where companies seem to do as little as they can get away with these days. I recommend Trupanion hands down, to anyone who would like health insurance for their pet.

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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