Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,140

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: Danielle

Extremely disappointed!!!!!

I pick up my puppy on a Thursday night, the next morning I left for work he was completely fine. While at work I enrolled in the pet insurance that was given to me by the rescue company. When I got home from work the dog started showing slight signs of a kennel cough. Hours later I took the dog to the vet for a scheduled check up. The vet noted signs of kennel cough on the paperwork. Hours later the dog got even sicker. I had to take him to the emergency vet. He came down with pneumonia and was not eating or drinking and puked over 60+ times. The rescue insisted that trupanion would cover the vet expenses. Since the vet I took him to for the check up made a note that he showed signs of kennel cough it screwed my claim and now they are claiming it as pre-existing condition. The dog came to me healthy and within 12 hours of getting the insurance his body was shutting down and he was dying. I am so upset and feel that I was taken advantage of. My free trial was coming to an end and I have been debating whether or not to keep my insurance with trupanion. Well I decided not to reenroll and go with a different company, I was not happy with the service they provided. They never called me to get my side of the story. I waited weeks to hear from anyone. When I called 2 times both people I spoke to were very rude. Extremely disappointed!!!!!
5

out of 5

POSTED: | BY: Sarah

It was such a relief to have adopted kitties that had medical problems and to know that I had Trupanion

A+
5

out of 5

POSTED: | BY: Karen

Fantastic

Thank goodness I signed up, my pup has had a few not extremely serious, but expensive issues. I have submitted several claims already and they have approved everything, no questions asked. So easy and quick payment.
5

out of 5

POSTED: | BY: Trish

Thank you Trupanion

Over the years Sierra has been a companion to me getting me through several life threatening surgeries, the latest being May 18. Thank each and every employee. Trupanion has been there all along the way. Really when I think about it , we have never had a bad experience with Trupanion in over 8yrs. Heartfelt thanks for all you do . Carlos & Patricia Doumar Rosa
5

out of 5

POSTED: | BY: Brett

Customer service is outstanding

Our cats have been covered by Trupanion for over two years now. Their customer service has been outstanding. Even when there has been a treatment the Trupanion was not able to cover, the staff was very understanding and kind in understanding our needs. Each and every Trupanion representative I have spoken with over the phone has been extremely helpful, empathetic, and great to work with!
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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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