5
out of 5
POSTED: | BY: Carol Raj
Fair and caring
over several years (and 2 pets) we have found Trupanion fair, and caring. Wouldn't go anywhere else for our insurance
4.8
out of 5
Number of reviews 63,001
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: Karla Oberholtzer
Trupanion is the best!
My Boxers, Sadie and Frankie have been insured with Trupanion for the past 4 and 5 years. I cannot say enough about what an excellent experience it has been. Their claim process is smooth and extremely efficient. Additionally, when I have had to talk to someone via phone, their customer service respresentatives are always curtious and helpful.
1
out of 5
POSTED: | BY: Jennifer White
Absolutely Disgusted with this company
I have had an absolute horrible experience with this company over the last two weeks. I have only been insured with them for a couple months, but my Bulldog has recently had a partial pulled/tear to his ACL. We have been looking at alternative ways to help him other then surgery. I got in contact with Trupanion immediately to figure out my options. I first spoke to Amber Lavigne and she told me as long as my veterinarian approved the alternate care they would cover it. She was suppose to send over a pre-approval form but never attached it to the email. I then had to contact them three more times over the next week to try and get this pre-approval form. Finally today I spoke to Bonnie Sanchez, just to be informed that what is being recommended for me to do as an alternative healing process (laser therapy) is not covered by my $120 a month coverage plan. I have had to take my boy to three different Vets and pay out of pocket, they don't cover office visits, to get a Veterinarian to sign off on a paper and estimate and now they won't even cover it. And then she informed me they have an exteded plan (never mentioned to me) that would cover it BUT won't now because it would be considered pre-existing with the new plan. At that point I was so frustrated that I wanted to cancel my plan all together just to be informed the can't cancel it on the weekend and someone will be in contact with me in 2-3 business days. I'm sorry Monday is in one day, and I am unhappy with your service and now you're telling me I have to wait longer then Monday to cancel my plan? For this company to act like they care so much about the well being of your pet it sure doesn't seem like it to me. Not to mention all the horrible reviews on here and some how they still have a good star review that is very concerning to me. stay far far away......
1
out of 5
POSTED: | BY: Jennifer White
Absolutely Disgusted by this company
I have had an absolute horrible experience with this company over the last two weeks. I have only been insured with them for a couple months, but my Bulldog has recently had a partial pulled/tear to his ACL. We have been looking at an alternative way to help him heal other then surgery. I got in contact with Trupanion immediately to figure out my options. I first spoke to Amber Lavigne and she told me as long as my veterinarian approved the alternate care they would cover it. She was suppose to send over a pre-approval form but never attached it to the email. I then had to contact them three more times over the next week to try and get this pre-approval form. Finally today I spoke to Bonnie Sanchez, just to be informed that what is being recommended for me to do as an alternative healing process (laser therapy) is not covered by my $120 a month coverage plan. I have had to take my boy to three different Vets and pay out of pocket, they don't cover office visits, to get a Veterinarian to sign off on a paper and estimate and now they won't even cover it. And then she informed me they have an exteded plan (never mentioned to me) that would cover it BUT won't now because it would be considered pre-existing with the new plan. At that point I was so frustrated that I wanted to cancel my plan all together just to be informed they can't cancel it on the weekend and someone will be in contact with me in 2-3 business days. I'm sorry Monday is in one day, and I am unhappy with your service and now you're telling me I have to wait longer then Monday to cancel my plan? For this company to act like they care so much about the well being of your pet it sure doesn't seem like it to me. Not to mention all the horrible reviews on here and some how they still have a good star review that is very concerning to me. stay far far away......
5
out of 5
POSTED: | BY: Mary Edwards
wouldn't be without this ever
outside of the claims getting into the right hands for payment this company has been outstanding for my pet family,
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