Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 59,144

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
1

out of 5

POSTED: | BY: Maria

BE CAREFUL

If you want to pay Trupanion to protect your pet, make sure of your pet's history, because a minimum exam will NOT be paid with a minimum problem that you have had. My example is with cats. They usually have urine infections, even if they are minimal and if you put a Trupanion insurance on them later, even if it is a small urine infection. When your cat is older and as almost always happens, your cat has kidney problems, he will not pay any of these expenses that you have in this regard. In other words. look with the same magnifying glass to enroll them and spend that monthly money. because they will look with a bigger magnifying glass so as not to pay you. Also, as soon as they received my first medical bills after 3 years they sent a note that my insurance would go from $120 to $160. CUIDADO Si quieres pagar Trupanion para proteger a tu mascota, asegúrate del historial de tu mascota, porque NO se pagará un examen mínimo con un problema mínimo que hayas tenido. Mi ejemplo es con los gatos. Suelen tener infecciones de orina, aunque sean mínimas y si después les pones un seguro de Trupanion, aunque sea una pequeña infección de orina. Cuando tu gato sea mayor y como casi siempre pasa, tu gato tenga problemas renales, no pagará ninguno de estos gastos que tienes tú en este sentido. En otras palabras. mira con la misma lupa para inscribirlos y gastar ese dinero mensual. porque mirarán con una lupa más grande para no pagarte. Además, tan pronto como recibieron mis primeras facturas médicas después de 3 años, enviaron una nota de que mi seguro pasaría de $120 a $160.
5

out of 5

POSTED: | BY: Geneva

GREAT PLAN FOR MY YORKIE

VERY FRIENDLY STAFF EXPLAINED EVERY THING TO ME
5

out of 5

POSTED: | BY: Susan

Trupanion has come through for me!

Trupanion has come through for me!
5

out of 5

POSTED: | BY: Tara

glad my kitten is covered

The chat support was very helpful. I had a relatively easy time signing up. A couple small caveats were that my info was cleared every time I used any other app or even webpage (ios), and I wasn't able to pay with a credit card without calling because there was an issue at the time.
5

out of 5

POSTED: | BY: Phyllis

Holly's Vet Visit

Thank you very much- It was very helpful for my bill for Holly. You took care of it immediately. Very much appreciated. I have told a few people and family about Trupanion, so hopefully they will join.
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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 Pet Insurance detail
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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