Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 63,001

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: Pamela Uberti

When I called into the Trupanion on Monday night March 23d I had just returned home from a vet visit with my sweet dog Misty.

When I called into the Trupanion on Monday night, March 23d, I had just returned home from a vet visit with my sweet dog, Misty. It was so upsetting. I wasn't allowed into the facility with Misty because of the Stay at home order in place here in California. Upon arrival, vet tech wist Misty away her gown and mask as I sat in my van in front of the SPCA. I communicated with the vet via phone. All very unsettling. By the time I spoke to Stephanie, I was rambling. Stephanie was patient and kind to me, and through her guidance, I was able to convey my message and received the information I needed. I appreciated Stephanie answering the phone at Trupanion on Monday night. She was terrific! Thank you, Stephanie!
5

out of 5

POSTED: | BY: Linda

Trupanion is a company I have been happy with.

Offered pre approvals and turned around the decision very fast. All customer service representatives were helpful and showed compassion. My vet was set up with Trupanion Express. This service is great. Trupanion payed their share of the bill immediately to the vet. This works if you obtain a pre-approval first. I was very pleased with the company and the support I received for the surgery my pet needed.
5

out of 5

POSTED: | BY: Kim Stapleton

There when I needed them

Unfortunately this was my one and only claim. My 14 week lab began not eating and behaviors changed.My vet took over and unfortunate we lost her during surgery. Having the insurance gave me the confidence to know myself and the vet did everything to help my Lily.Trupanion took the claim and completed and paid within days. When the time comes for me to get another companion, Trupanion will be my first call.
5

out of 5

POSTED: | BY: Camilla

Trupanion never questions the medical…

Trupanion never questions the medical judgment of our vet, and the check comes quickly. We have been so relieved to have the peace of mind to make medical decisions absent cost considerations. Thanks to all the great folks at Trupanion who make this possible!
5

out of 5

POSTED: | BY: Danielle

You MUST have Trupanion

When you sign up for pet insurance, it is easy to think, "well, we'll see if this is worth it." There is nothing more reassuring than getting through your first Trupanion Claim and realizing how easy it was, how caring the staff are, and how quickly they dispense the funds needed to pay for the treatments. I expected a much more complicated and confusing process, where I would be surprised by what wouldn't be covered and receive much less toward the care. I was mistaken. This is an honest company that does what it says it will do, and isn't trying to take advantage. I'm so grateful that I never had to think, "but what if I can't afford to save my dog's life?" Thank you Trupanion.

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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