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: James

I'm pleasantly surprised at how well Trupanion has treated us as a relatively new customer with an unexpected illness.

I was quite skeptical about pet insurance when my wife strongly suggested that we cover Cavanaugh, our Sheltie-Shepard mix rescue pup. I had a negative bias that I assume emanated from a combination of personal experience and the experiences of friends and family with third-party insurance and “warranty” plans of all ilk. The process of covering Cavi was quite easy – the Trupanion website is first-rate – and the clarity of what I was purchasing and how underwriting and coverage worked gave me some comfort. I also has a sense that I was doing business with a well-run and seemingly well-capitalized company. So, we enrolled Cavi and our coverage became effective 1-30-2020. Along about the third week of March Cavi started throwing up. He had not exhibited such a symptom before. We took him to the veterinarian and started feeding him rice and other digestively gentle foods. The vomiting seems to abate for a time but has continued to return. We are still working with our veterinarian to ascertain the root cause, and we’ve gone from x-rays to lab work (we await yesterday’s results) and from the very first visit Trupanion has stepped up and covered us. We quickly surpassed our $250 deductible, and Trupanion has yet to fail to cover Cavi as we work through this problem. That this happened so early in our relationship with Trupanion, and that they are there taking care of us and giving us the peace of mind that we will not have to make a healthcare decision about Cavi based purely upon financial implications, has brought me around 180 degrees on the efficacy of pet insurance. Our veterinarian recommended Trupanion to us and I’m very glad she did. I did a bit of due diligence with other providers, but ultimately decided to go with her recommendation. I highly recommend Trupanion based upon the way they have treated us as a new customer.
5

out of 5

POSTED: | BY: Norvin

Prompt payment of claims

Prompt payment of claims. I am kept informed of the status of the claim from filling date to payment. Claims are payed within 4-5 days. Explanation of parts of claim not payed clearly stated and conform with the policy. Premium are good and have only increased a little since I took out the policy when he was one he is now seven diagnosed with cancer therefore I have direct experience with the whole process. I would recommend this company.
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5

out of 5

POSTED: | BY: Diane Jans

Filing a claim was easy and we received…

Filing a claim was easy and we received the check promptly
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5

out of 5

POSTED: | BY: Gail

Best Ever Insurance

Trupanion has been there for the last 7 years + to support our Cocker Spaniel and hopefully for the next 7 years. Their service is wonderful and they always handle a claim quickly.
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5

out of 5

POSTED: | BY: Matt

MY DOG REVIS HAS HAD ALOT OF PROBLEMS

MY DOG REVIS HAS HAD ALOT OF PROBLEMS. HE HAD TWO ALC OPERATIONS, PLUS HE HAS LOT OF MEDS, THAT HE NEEDS. I NEVER HAD A PROBLEM WHEN I SENT THE BILLS TO TRUPANION. I GOT MY MONEY VERY FAST.
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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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