5
out of 5
POSTED: | BY: Sherry
Professional caring and great integrity.
Professional, caring and great integrity.
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: Jackie
Trupanion is the best
Trupanion is the best
5
out of 5
POSTED: | BY: William
Above expected
always go above and beyond for pet owners
5
out of 5
POSTED: | BY: Melanie
While I have always loved TruPanion for nearly a decade a recent change in policy from an original policy did NOT grandfather or otherwise provide guidance or assistance with my baby’s treatment needs.
While I have always loved TruPanion for nearly a decade, a recent change in policy from an original policy did NOT grandfather, or otherwise provide guidance or assistance with my baby’s treatment needs. However shortsighted, I feel strongly that this decision to “change the rules” mid-way through her course of treatment is not only unfair to her, but also a bit unethical, & this saddens me greatly. Your company has been nothing but stellar up to this point for my 3 kitties, but now my Amelia is in an advanced stage of illness, & she no longer can receive laser therapy, (which was originally covered, & now isn’t), which will tremendously affect her ‘quality of life,’ and I ask: Why? It’s not about me, but about her final weeks, and I did nothing wrong, but yet, she will suffer, all because there’s no ability for compromise, & a bizarre business model change. The future is in treatment using laser, not giving more drugs for pain and rehab. To demand additional monies for something that we, as mere humans, would expect to receive if we were injured or severely arthritic, is seemingly quite cold. Indeed, I offered to pay additional monies for the new “benefit” she had already been receiving for nearly a year, but unfortunately because she has already had laser, she now is disqualified as it’s considered ‘pre-existing’ - sad TruPanion - a business as stellar as yours cannot offer a win-win somehow for all of us that have found ourselves in this proverbial “boat?” Surely there is something that we can do to help my girl. She has Lymphoma, but stabilized & a happy kitty, but the osteoarthritis will ultimately be her demise soon, as she cannot walk & play w/o her laser therapy. I simply don’t understand & I grieve for Amelia & the “others” like myself, who’ve found themselves w/o mercy or any possibilities of hope. Thank you for your time with this matter - it matters to me..
5
out of 5
POSTED: | BY: Michelle
I have recommended Trupanion to many many people!
I have recommended Trupanion to many, many people! I lost my last pup to lymphoma. I didn't have health insurance for him and paid about 10k for chemo. It was so awful.to have to worry about finances on top of my beloved heart dog. I now moderate a FB group for dogs with lymphoma and a grief support group and often advocate for pet insurance, specifically Trupanion due to my personal experience with my current pup, my research when looking at different companies and from feedback from multiple people who've also been very happy with Trupanion! Customer service is always wonderful, cost is reasonable and reimbursement is simple to navigate!
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