Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 63,031

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: Dr. Bruce

These folks are wonderful!

For 42 of the last 52 years, we've been "owned" by a series of four miniature dachshunds. Until we got Tito, who's now 14 months old, we never carried pet insurance. Luckily, we had no serious medical issues with the other three dogs until late in their lives. Tito, however, has something going on that causes him to have chronic congestion, inflamed and swollen tonsils, and some exceedingly high liver values. Although we are still trying to get at the source of his problem, we have already had significant medical expenses. Trupanion has exceeded my expectations in their rapid response to the insurance claims filed for Tito. Their responsiveness has made this difficult time easier than it would have been otherwise. We will always be grateful to Falls Village Veterinary Hospital for including information about Trupanion in Tito's new puppy package.
5

out of 5

POSTED: | BY: Haynes Abney

Confident Trupanion is a solid company with excellent agents who are at ease with the process and inturn pass that onto clients

So far I am in the pipes for a filed claim for our Brussels Griffon, Gracie. She had a respiratory infection last month and I was unaware our insurance covered illness and medicines! So the agent I spoke to, (Pamela) explained my coverage for Gracie and she pointed me into the direction of filing that claim. I was initially calling about the possibility of a patella surgery looming in the future for Gracie. She was diagnosed a year after we began the insurance (upon bringing Gracie into our lives, we decided that pet insurance is a MUST). We have had lovely relationships with our pets over the years and serious vet bills too. So long story short friends and my vet, Dr. Serbin of Ingleside Animal Hospital in Phoenix AZ, recommended Trupanion. So immediately we bought a policy for Gracie. Back to our experience with Trupanion. So Barbara, the agent who was helping me on the paperwork necessary when a surgery may be needed on an animal emailed me directly since I was having difficulty downloading the pre approval and claims forms from the web site (my portal codes were not working). So without a beat, I have filed a claim for an illness I didn't know was covered. And am on the way to getting approval for what ever is in store for our girl in the near future. I appreciate the pro active approach and the tips on what we can file for and what we cannot. I am excited to know that my 459.00 respiratory bill may be cut in half for me and that the dog's surgery will be paid for up to 90% after my deductible is met. This is thrilling considering the amount of money one pours into their pets and have poured into pets over the course of their life time. I am never going to own a pet without insuring them. I will review Trupanion after the surgery (if it is needed) and how fast my claim was processed for the respiratory illness at a later date.
5

out of 5

POSTED: | BY: Bridget

I’m so thankful I have Trupanion!

I rescued a dog a year ago and in that time she has had Pneumonia, ehrlichia, and has needed knee surgery. Trupanion has covered each claim I have had and the process was seem less. They work directly with my vet and the approval process happens in minutes. It has been such a stress reliever knowing that I can provide my dog the best care possible and not have to worry about the financial strain. Everyone I know that adopts a dog I pretty much make them get Trupanion because they have helped me out so much already. Thank you!!
5

out of 5

POSTED: | BY: Luis Miguel

Excellent reply and service

Fantastic reply and service
5

out of 5

POSTED: | BY: Ardele Lindler

Don’t hesitate to use Trupanion!

I have been a customer of Trupanion for 6 years at the recommendation of my vet and have only had wonderful service with each and every claim. My dog has allergies and her treatment would be cost prohibitive without Trupanion. My vet used to file the claims for me but my new place doesn’t but filing myself is very easy and reimbursement is fast. Would, and have highly recommended Trupanion!
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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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