Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,089

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
4

out of 5

POSTED: | BY: Cathi Foster

Great when the Clinic processes Trupanion - Stressful when they don't

Trupanion works great and amazingly well when the vet clinic or hospital I am using processes the paperwork, obtains preapproval, etc. It allows me to focus on my dog who is sick, instead of focusing on how am I going to pay for the services. It is stressful and difficult when I have to pay out of pocket, submit the paperwork and then it can sometimes take 3 weeks or more to get the reimbursement.
5

out of 5

POSTED: | BY: Dana

I am so thankful for this plan

I am so thankful for this plan. If we didn’t have the insurance on my dog we would not have been able to pay for the surgeries she needed. Thank you!!!
5

out of 5

POSTED: | BY: Joseph

very happy with trupanion

very happy with trupanion
5

out of 5

POSTED: | BY: Mary Lynne

the value of trupanion pet insurance

I never realized how important pet insurance was; my vet recommended it to me. So I got it. Six years later, I learned why. My beloved cocker spaniel had oral melanoma stage 1. The tumor was surgically removed (along with numerous x-rays) I NEVER could have afforded the cost without Trupanion's help. And it was so simple to file, reimbursements were received quickly. I never experienced one problem during the whole procedure. Trupanion was terrific in every way. I recommend that ANYONE with a pet to not hesitate to get trupanion pet insurance. Pricewise, it's worth it and you owe it to your pet!
3

out of 5

POSTED: | BY: Meme Kendall

FYI Part 2

Wasn't sure if I should write this, but this is My truth. I contacted Trupanion. I first have to say the lady was Very Nice, calm, had a lot of patience. I was a little nervous. I don't like to lie, but I couldn't say, "I'm the lady who wrote a review and they told me to contact you", because I felt like everyone had or was going to do that. (I'm a Real sincere person. I wrote the last message and this one from my heart. Not trying to get something for free But really can pay for it. I'm not that type of person. My father is a retired Veteran and would be Very disappointed in me if I lied or deceived anyone.) I asked her did Trupanion give financial help and she stated to go on their website,(I told her I did already) they have deductibles $200/$700. Other then that no. I was a little shocked, but I can image people calling pretending to be me. They Can't help Everyone. So, I felt I had to tell her a liitle of what was happening. She still said, she knew of Nothing!. Like I stated she was kind, however I was Very sad! disappointed. Why did they send the letter to tell me to contact them? Was it just a computer note. You make a complaint you get this message; you write a compliment you get this type of message. Just want everyone who took time to read my review to know what happened afterwards. Thank you!

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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