Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,123

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: Brenda

Trupanion Improvements

Trupanion processes claims quickly but there should be coverage for associated physician fees accompanying illness visits.
5

out of 5

POSTED: | BY: Ann

Simply the Best

I have six dogs and have tried almost as many pet insurance companies. I've been disappointed in all of them, until Trupanion. When my young puppy got a mystery skin ailment that we had trouble diagnosing, Trupanion was there every step of the way, right up to the specialist. Their customer service is awesome, and the speed of their response to claims is astonishing, with reimbursement just as fast. If I could, I'd rate them higher than 10!
1

out of 5

POSTED: | BY: Karla Valente

I am extremely disappointed in their…

I am extremely disappointed in their customer service. We are currently spending $400 a month for two cats and three dogs and every year the cost goes up so much that we are paying almost a hundred dollars more per month than we were when we started. They made a mistake years ago (mixed up the charts for our two dogs) and have ignored repeated requests to fix it. Because of the mistake, they have added a preexisting condition to the wrong dog and they deny any skin related claim for our lab. Every time I speak to someone, they promise that they will be the one to fix it. It has been over two years and it is still not fixed.
1

out of 5

POSTED: | BY: James

This company is a sham and will fight you tooth and nail on your claim, so sad, such a rip off!

The company claims they will cover your pet when they need surgery. Well my dog has a injuryed leg and needs surgery. After paying over $500.00 in premuins the company will not cover any part of the surgery my dog needs, the pain medicine, xrays, or the diagnostics that determined what surgery was needed. So i have a dog in pain and in need of surgery. This company is not wiling to pay a dime to help in this situation. Do not buy a policy from this company , it is a sham and will rip you off.
1

out of 5

POSTED: | BY: Kathie Young

BEWARE: Turned down all doctor's consults after I paid them $6000.00 in premiums over 5 years

During the past 5 years we have had Trupanion pet insurance for our 4 pets, premiums have totaled approximately $6000.00. I recently had my first significant claim when our basset hound developed glaucoma. Since we have $1000 deductible, I submitted all the receipts totally approximately $1250.00. I was told by their representative that evaluations and diagnostics were covered, but Trupanion disallowed all these claiming that these were merely "exams". My dog has had over 13 appointments to diagnosis his eyesight and adjust his medications, and Trupanion did not pay for a doctor's' appointment even when an ophthalmologist was involved! The representative advised me to appeal and have the doctors code the visits as diagnostic evaluations. I did so and asked my veterinarian to send me an email as soon as this was faxed to Trupanion. I ACTUALLY RECEIVED TRUPANION'S DENIAL OF THE APPEAL BEFORE I RECEIVED OUR VET'S EMAIL. I called my vet to save the records and advised them to NEVER recommend Trupanion again. Trupanion took my $6000, but refused to pay for any diagnostic evaluations done in a doctor's office. Attorneys: I recommend class action.

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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