Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 63,021

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
1

out of 5

POSTED: | BY: Elizabeth Devenbaugh

Don’t waste your money with this insurance

Do not waste your money on this company, we got this insurance because vet recommended and we thought it was the best. Our poor puppy is now in the fight of his life because this horrible company had labeled him with a pre-exiting condition. To be clear our poor puppy hasn’t been diagnosed with anything yet. And with a mix up between the vet writing down something we didn’t say or fabricating on what we said they will not cover or pay our claim because they say we noticed signs two weeks prior to the 30 day waiting period. My husband and I have been battling g with this company to cover the claims because the reports are wrong. But god for bid they want to ever help any pet with a possible issue. They have now complete screwed us over and our child because of this. They clearly do not care about your pets it’s all about the money.
1

out of 5

POSTED: | BY: Elizabeth Devenbaugh

DO NOT GO WITH TRUPANION

If you have a pet that has an issue be prepared to fight with this company. They will do everything in their power even forage vet records so claims will not be repaid. We have been fighting with this company for months now, over wording in the vet records. We had not clue our pet had an issue until we went to the vet. The are saying we said we saw an issue two week prior to vet visit which isn’t the case. Now because of this horrible company our pet is considered to have a pre-exiting condition. Now we are paying for everything out of pocket because they twist the truth and clearly don’t care about animals. This company is a scam and they honestly only want to take your money. Our poor pet has this insurance because we thought it was the best, WOW we were wrong. DO NOT GO WITH TRUPANION!!!! It will be a huge mistake if you pet gets sick or had issues.
5

out of 5

POSTED: | BY: Chelsea Saunders

Fast payment, insanely good customer service, and peace of mind for a great price--if you have a pet, you NEED Trupanion.

I have been really lucky to not have needed to file a claim over the last 7 years; there's always a fear with a service like this that it won't be what you need it to be when you need it. That fear is 100% gone! They processed my claim really fast--faster than usual given the possible severity of the situation. We wound up with a better outcome than was initially expected, thank God, but they handle my panicked calls with such patience and compassion, they got our claims approved so fast, and it was SUCH a relief to not have to have money be a factor in the kind of care we were able to provide in a crisis. Truly, we are so grateful and relieved to have Trupanion! Oh and their partner vets that are able to bill them directly--that's an amazing perk too. Hopefully more clinics will join in on that program!
5

out of 5

POSTED: | BY: Elizabeth Jackson

Awesome Pet Insurance

Excellent experience. Claims are processed easily and explanations are clear. No surprises on coverage. Very pleased with Trupanion.
5

out of 5

POSTED: | BY: Kim Hart

Awesome service

Always very efficient

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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