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: Doris

Excellent

I would like to share my experience with trupanion pet insurance. I had excellent service from trupanion. Dixie has been my pet for 8 years and she has always been in excellent health. However, the last 2 years I made a decision to get Dixie pet insurance through trupanion. I have had trupanion for 2 years now and I can honestly say that they came through for me at a time that Dixie needed them the most. Dixie was taken to the hospital and was diagnosed with pyometra, a life threatening emergency. Her uterus and ovaries needed to be removed urgently. The hospital Dixie went to had direct pay with trupanion. I called trupanion the night I was in the hospital with Dixie and they helped me and were with me every step of the way. Trupanion came through 90 percent. I only paid for 10 percent, deductible, and the physician consults. It was amazing. I appreciate trupanion for coming through for Dixie during this time. Dixie is now in the recovery phase. She is doing very well. My fiance and I wanted to thank trupanion for their excellent service. We are recommending them to all pet owners. Thank you trupanion!!!!!
5

out of 5

POSTED: | BY: Teri Winston

Absolute Best Insurance company!

I love this insurance company! Hassle free and supportive are words that describe how they handle everything from invoicing to payment. The interface between your vet, trupanion and the insured, removes any questions that all involved may have and makes for very smooth payments and Co pay estimates!!! Save yourself the hassle from other insurance companies and just start your pets off right with Trupanion.
5

out of 5

POSTED: | BY: Mary

Trupanion is great!!!!

My dog has an immune disease IMHA Requiring frequent blood work and 6 meds twice daily. I have had such great response from claims—never a problem I woukd highly recommend Trupanion. I have referred MANY dog owners to Trupaniin
5

out of 5

POSTED: | BY: Tamara Austin

Trupanion has my back!

My dog had to have a surgical biopsy and Trupanion processed my claim and paid their portion before he even left the vet's! I could never have afforded it on my own, and not having to prepay and be reimbursed later made it even easier. I am so grateful that money never has to be the deciding factor in obtaining health care for my little companion!
5

out of 5

POSTED: | BY: Heather Murphy

Trupanion is the best insurance ever.

Our bloodhound was diagnosed with cancer when he was only 3 years old. Trupanion paid 90% of the costs for all treatments. As Hubert aged he has had issues with his skin and eyes. Trupanion continues to provide 90% coverage for all his needs. They provide rapid reimbursement and compassionate customer service for our now elderly dog.

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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