5
out of 5
POSTED: | BY: Carol J Steinman
The info is excellent
The info is excellent on what dogs can and cannot eat. Thank you...
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4.8
out of 5
Number of reviews 63,005
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: BosApollo
Trupanion Pet Insurance - Everything is deemed pre-existing
You can be assured that, even with the full support of your pet's own veterinarian, your claim will be labeled a "pre-existing condition", based on minor "symptoms" or even a mention of what conditions could befall your specific breed of dog in the pet's previous records. The Trupanion vets and diagnosticians completely dismissed the medical opinions of my pet's own veterinarian. Her letters and communications were rational, logical, ethical, and requested that my claim be honored (for a one time surgery which will cost many two thousand dollars) - only I can't afford that so he will continue to suffer and fight to breathe. He's only two years old. They will continue to take $60.00 a month from you (until they increase it as your pet gets older) with no problem though.Trupanion's policies are crafted and worded to support denial of many claims. Trupanion review sites where customers can offer transparent reviews contain overwhelmingly bad reviews, many stating the same issues over and over.
They are selling not only pet insurance, but the assurance for pet owners that expensive chronic conditions will be covered (at 90%). This allows many of us to afford a pet or a rescue pet even if we don't have thousands of dollars extra per month to pay for vet bills. The assurances are false. Trupanion generates framed "success stories" which veterinarians display in exam rooms. These include one that touts payment for a brachycephalic stenotic nares surgery. Obviously this a pre-existing condition that the puppy was born with, and Trupanion advertises full coverage for corrective surgery for this patient. These ads influenced my decision to purchase Trupanion pet insurance. Brachycephalic surgeries (including soft palate reduction and stenotic nares elargement is regularly and successfully treated by vets, but it costs a lot of money. Since I am not wealthy, this is exactly the type of situation I buy pet insurance for. My little boy will now live a short and somewhat painful life due to the Trupanion appeal denial, when he could have easily lived a long and painless life if Trupanion had approved any type of treatment. Trupanion is flooding the market with assurances and evidences of coverage, when this isn't going to happen. Their mission isn't providing necessary medical coverage for chronic pet conditions, but simply making money.
5
out of 5
POSTED: | BY: Christine Zgoda
The Best!
I love the fact that you are so quick to respond. It eases the burden during times of stress. Thank you so much!
5
out of 5
POSTED: | BY: Christy Keltz
Due to the inconsistencies of your premiums
Due to the inconsistencies of your premiums
5
out of 5
POSTED: | BY: Laura Brown
HE WAS VERY FRIENDLY AND NICE.
HE WAS VERY FRIENDLY AND NICE...
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