Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 77,903

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: Richard A

A very expensive bill after my cat pounced on and ate a piece of dropped dental floss became very affordable

I uploaded the invoice from the vet and in less than a week the claim was settled. I wish dealing with a human health insurance could be this easy.
5

out of 5

POSTED: | BY: Palma Basto-Lewis

Trupanion is a company I would highly recommend!

Trupanion is a company I would highly recommend if you are looking to insure your pet. Our beloved dog, Max was diagnosed with adenocarcinoma this past April, which is an aggressive form of incurable cancer and it has a very poor prognosis. Needless to say, we were shattered, as he is so much more than a pet. He’s part of our family. He’s been through surgery, and he is currently in treatment, along with holistic medicines and herbs which are very costly. We have been given the precious gift of more time because of Trupanion. They have covered all of the very expensive costs for his treatment and his care plan which has been thousands of dollars. Thankfully, because of Trupanion, we were never faced with the choice of saving him or not because we couldn’t afford the treatment plan recommended by our doctor. They have covered 90% of his bills, leaving us with an affordable care plan. Submitting the claims couldn’t be simpler. It’s all done online, and within a couple of weeks, the checks are back in our account. There is also an option of direct payment to your doctor as well. Customer service is top notch. They have a 24 hour a day call center, so questions can be answered any time of the day. They’re kind and sympathetic to what you’re going through, and have been extremely responsive to all of our needs. There are so many conditions that are covered in this plan. Pre-existing conditions are not covered, so be sure to insure your pet while they’re healthy and young. Trupanion has blessed us with more time with our pup. He was only 8 when diagnosed, and needless to say, we were not ready to give up on him yet. If you’re looking for an insurance company for your pet, look no further. It’s the best of the best with a human touch that is not always evident when dealing with claims. Max is doing well, and God willing he will continue on his healthy journey. We look at each day as a gift with him…a gift given to us with the help of Trupanion!
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5

out of 5

POSTED: | BY: Tami Kinman

Peace of mind for your pet!

Trupanion gave me the peace of mind to get the appropriate emergency care for my English Springer Spaniel. I did not hesitate to take him in and it saved him from likely dying a slow death from heart damage - he is fine now - but I didn't worry about the decision to help him. Claims could not be more simple to do and fast in response - Trupanion - it's a must and after having to use it - it's a keeper for life!
1

out of 5

POSTED: | BY: Felisa Kahn

Trupanion will find any reason to not pay a claim and then not contact you

Last November our dog was having what appeared to to be stomach issues. Nov 20 went to Dr. Then we put in claim with issue “stomach”. Nov. 23 Dr tells us our dog has renal failure. Lots of money spent. We found out that we did not meet deductible because the stomach issue is a different issue than the renal failure. So I called to explain that the test results showed it wasn’t stomach but was renal. Trupanion was going to do an internal investigation to see if we could avoid an APPEALS process!!! They never called me back and almost a year goes by. We keep doing what our dr told us to treat our dog on Nov 23. New RX food, special phosphate binder, special pills... Values come back good every CBC every 2-4 months So no problems... But stress on dog gets worse and we are back to DR for a UTI issue where the results show not just renal failure but it turned into pancreatitis. All related. All kidneys.... They start looking into the declined claims and tell us they will try and resolve internally again. No calls back again after 41 days. Called today. They will send me an appeals form to have vet fill out. Man, I pay over $100 per month for insurance For 2 dogs and the resources and time this company is using to deny giving me back $207 is unbelievable. I’ve spent about $10,000 in 12 years on our 1 dog’s insurance and I received back $400 and change and spent my $1000 deductible, and considerably more they are trying to deny. The time And energy I’ve wasted is priceless.
5

out of 5

POSTED: | BY: Madelyn Winterbourne

Thank you so much!!

Trupanion's response was quick and easy. It made dealing with the stress of Frances's illness so much better.
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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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