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: Norma Bowman

I cannot say enough about Trupanion…

I cannot say enough about Trupanion insurance. We took a policy out in 2013 for our soft coated wheaten terrier. After comparing with Health Paws which also had high reviews, it came down to the friendly customer service experience at that time. I went with my gut feeling as each time I called for information, it was Trupanion's reps that were extremely friendly and knowledgeable. I selected a plan with an affordable monthly premium and reasonable out of pocket deductible. In June of 2018, Guinness tore his ACL. We were beside ourselves with worry. One call to Trupanion and I was met again with the same friendly, sympathetic and knowledgeable reps who immediately put my mind at ease. We were covered! The claims were processed immediately and payment received just as fast. For us, this is best dog insurance to have. I have recommended to family members and will never be without this insurance for any pet in the future. 5 Star rating is not enough - Trupanion is 10+ Star rating! Thank you, Trupanion!
5

out of 5

POSTED: | BY: Rose

Made things SO MUCH EASIER and saved his life

So, I am a veterinarian and for a long time didn't think that I would need pet insurance (I can do it myself!). However I had a colleague that had it on her dog that needed emergency back surgery at a specialty hospital and at that time realized that I do not do all types of medicine and maybe it wasn't such a bad idea. I got it and within a year my dog had emergency gall bladder surgery that required 4 nights in the hospital and it was amazing to say "yes!" to the treatment plan and not feel like I had to try and be his veterinarian or worry about the costs to getting him home again. From that time on I was sold, but later that year he had to have knee surgery and once again it was so easy to let them be the vets and know that he was getting the best care possible. We had a quiet couple of years, and then this year I diagnosed him with anal gland adenocarcinoma. This diagnosis has required two extensive surgeries and rounds of chemotherapy and we will keep fighting as long as he feels good but I have had complete peace of mind knowing that his insurance was there to help me help him. It has been truly amazing. They process his claims quickly and have always been so kind when I have reached out to them. I have insurance on all three of my dogs and the other two have never filed a claim, but my special boy is up to about $30,000 that Trupanion has covered and I am grateful to have them.
5

out of 5

POSTED: | BY: June

Speed and efficiency

My claim request was handled with speed and efficiency.
5

out of 5

POSTED: | BY: Jo

Paid directly to vet

I was a mess with a sick kitty and from the minute we put in the pre-claim until I was able to bring my Gatsby home 5 days later it was no stress. I especially liked that the claim was paid directly to the vet and I didn't have to worry about that.
5

out of 5

POSTED: | BY: Amy

Great company!

I have had the best experiences the Trupamion. Great company!!

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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