Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,951

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: Laura Webb Ferrigno

Laura Webb Ferrigno & Nikko Webb Besota Kodiack

Were do I begin I have had dogs my whole life and have always had pet insurance on them hoping that I never have to use it, of course. I have been with different pet insurance companies and switched over to Trupanion 6/2014 and that was the best decision that I ever made. My American Eskimo developed several serious health issues the end of Oct. 2018 which caused him to be in ICU for 6 days and needless to say became very expensive. No matter what Nikko was going to get the care that he needed to get him back on the road to recovery. He is my world and I love him so very much and would do anything for him as hopefully most people would do. He has been my responsibility since 12/12/2003. He depends on me to make intelligent decisions and choices for him, as he can't speak for himself. I also have several different riders on Nikko's policy. I can't say enough about Trupanion, they were there for us and continue to be there as we go forward with follow up visits and meds for the on going health issues that we are faced with. As long as my little guy wants to fight I will be right by his side fighting with him. Pets are so very special and deserve the best care and love. They are unconditional. Have a wonderful Holiday and thank you so much for being there for Nikko and I as we work through his health issues. I wasn't sure that Nikko was going to pull through but with dedication, a great medical team and love I think we are on the road to recovery.
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1

out of 5

POSTED: | BY: John Michaels

I have submitted these reviews from…

I have submitted these reviews from employees to my state regulator
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5

out of 5

POSTED: | BY: Lora

I love direct billing

My vet and Trupanion direct bill so It's so easy! The claim is approved usually before we are at the front desk at the end of any appointment.
5

out of 5

POSTED: | BY: Vincent

My experience with Trupanion is outstanding.

My experience with Trupanion is outstanding. My claims are reviewed and paid promptly. My vet's office sends the invoice and explanation of services, and everything is taken care off.
5

out of 5

POSTED: | BY: Jonelle

Best customer service

Jorge gave the best customer service ever, he explained the details and made sure I understood everything perfectly. I have always had wonderful customer service with Trupanion. I am also in customer service and it takes a lot to impress me, but I was so impressed with Jorge and it is obvious that he loves his job.
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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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