Trupanion | Pet Insurance Review

4.8

out of 5

Number of reviews 63,007

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: Wayne Ducote

It's so simple

It's so simple, just fax you the claim form and you take care of the rest. No hassle or problems. and the refund is in the bank with in a week. Trupanion is great. Thank You
5

out of 5

POSTED: | BY: Danielle Bresett

My claim experience was amazing!!!

My claim experience was amazing!!! From the time I submitted the claim to the time I received a direct deposit was less than a week.
5

out of 5

POSTED: | BY: Michele C

Very nice customer care

I had a problem and Jessica helped me out with very nice experience took care of matters in minutes. A++ care
4

out of 5

POSTED: | BY: Shrokia

Not convinced yet, but OK

So about 3 minutes after I posted my 2 star review Trupanion calls me and explained what happened. So instead of scrapping the old claim with the inverted items they kept it as is and added the remaining $95 lab to the deductible so $34.50+$60.50= $95. I wish they didn't do it that way since I got upset and everything was fine in the first place. I still don't get why the exam was listed as being denied twice... I also calculated my deductibles and I am $6 away from it... They don't pay tax and exam fees which I didn't realize when I signed up, even though it's mentioned, I thought it meant yearly exam. Anyways I'm happy for now and I'm sure Trupanion is happy since I'm still under my deductible. I hope things won't be this difficult in the future. Before review: I've been with Trupanion for almost 9 months and that's $900 of monthly payments between my two dogs. One of my pups got a urinary tract infection and its taken a few visits, lab cultures and runs of antibiotics to test and make sure the infection is gone. Well...I thought Trupanion was great but maybe not. My first and biggest issue is how Trupanion tries to "avoid" paying you what is owed. I say "avoid" because they will simply say it was a "mistake." Mistake once maybe, but twice over something very simple? Here's what's happening... I'm getting close to my deductible. My last vet visit was for an exam ($34.50, which they don't cover) and a urine culture ($95, which they DO cover.) I submit online and a few days later I get an approval notice, but it's inverted. They put the $34.50 exam towards my deductible and not the $95 lab...ugh I call and the nice lady on the phone even says "wow it's plain as day that the exam is $34.50 and the lab $95." She sends it in for correction. Today I get notice that they are adding $60.50 to my deductible (not the full $95) and some how have the exam doubled ($34.50 x 2=$69) and they list it as ineligible, which I know! But why is it doubled? It's only listed ONCE. Who is reading these vet bills? An imbecile? This is EXACTLY how it's written on my vet bill for clarification: 1 Exam/ consult, Medical progress $34.50 1 IX Urine Cult MIC Followup <6m $95.00 What is the problem here? Why am I paying monthly to have to deal with this on my first pet issue? And why is my lab not fully covered when it was before? What is this $60.50 random number? I'm very upset that this simple vet bill is turning into something so complicated! I'm thinking about switching to Healthy Paws.
5

out of 5

POSTED: | BY: j felletter

life saving for me and Max

this was major medical treatment costing thousands of dollars. I am a widowed senior citizen, retired and have a fixed income. This allowed me to get my dog the care he needed to keep him with me.

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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