Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,099

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
4

out of 5

POSTED: | BY: Barbara Wood

Dissatisfied Customer

I have been with Trupanion for several years. I have generally been pleased with the service and quick turn around time for refunds. I recently added a third dog. At the time of completing what would best serve my dog, I was asked, "would you like to add physical therapy to the plan?" I did but wanted to know why nobody ever brought this up to us when we needed to have such things like an MRI for our now 13 year old dog? We had so many things done for her, just short of massage therapy. Now she is receiving it and it's working! We were NEVER MADE AWARE OF THIS AND NOW COULD BE SAVING MONEY IF WE HAD THE SERVICE! We have referred many to you too? Now, I might suggest going elsewhere! There is never an issue when our rates have been raised, but for us to maybe save money, we were left in the dark!
5

out of 5

POSTED: | BY: TU0001664621

You are my Sunshine!

My cat Sunshine was deathly ill. Fluid was building up in his cavity and was precariously holding on to life. He literally only had hours left to live if we didn’t get him immediate medical attention. We drove to UC Davis, which is known for its superlative Veterinary School (top in the nation.) They performed the crucial/critical surgery that was needed, and he is absolutely back to normal, thriving and being the rambunctious self he was before the surgery. THANK GOD for Trupanion, who was there every step of the way. Their kind and caring customer service representatives were so comforting, doing their best to make the process easier and less difficult.
5

out of 5

POSTED: | BY: Marilyn

always helpful customer service

Unfortunately our wonderful wheaten developed some major, and expensive, health problems. We are retired and live on a fixed income. Without Trupanion's help in contributing to her medical costs I am not sure what we would do. They are always so pleasant and helpful.
5

out of 5

POSTED: | BY: Susan

Trupanion has been incredible

Trupanion has been incredible and taken a huge worry away for us while dealing with Cooper s fight with cancer. The veterinarian office puts the claim through while we are there so we don't have to pay the full amount up front, only our portion! If we didn't have Trupanion we would not be able to afford the excellent treatment that is giving Cooper a chance to survive! Thank you Trupanion, a decision we ll never regret!
5

out of 5

POSTED: | BY: Melinda

Excellent customer service.

Excellent customer service. Prompt with claims.

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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