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: Ashley

We couldn't day enough great things!!

We couldn't day enough great things!!! Our dog went in for emergency surgery for a collapsed lung and trupanion was more than fantastic to submit claims with. They were prompt, kind and always helped with any questions. We used both the customer service phone line as well as the online chat service. Because of trupanion, we were able to proceed with surgery and get her back to healthy self. This insurance is affordable and there is NO fine print that holds you back. I recommend trupanion to all of my friends that have pets! The only draw back was that they automatically sent the reimbursement to the VET whereas we had paid out of pocket so the waiting time for the funds was a little longer than the norm.
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2

out of 5

POSTED: | BY: Todd Farrell

Not as good as it looks!

I was distressed with two important issues with my policy: 1. Having both a deductible and an eligible cost cap: With long-time experience with insurances, this was the first time that both were applied. 2. Very disappointed and upset that the applied taxes were not covered in eligibility rules. The purpose of insurance is to cover the costs associated with illness or injury. Unfortunately, taxes are apart of the "real costs". Often, these costs are high enough to cause unneeded stress anc hardship. Since they are costs that are associated with the claim, they should be covered.... end of story. Just the taxes on a catastrophic injury to a pet such as mine is financially crippling!!! 3. Visits to the vet in an emergency situation should be eligible! 4. A better job needs to be done to explain the main components of the policy by sales representative to ensure they fully understand their policies. Leaving it to them to simply read themselves is inadequate. In my case, I was told about the deductible but haf no knowledge about the 90% cap or taxes eligibility until later. I fully understand that some of that blame is on me for not comprehensing what I was reading but some of the information was misleading. I am fully supportive of pet insurance but after this experience, I am not sure about recommending this company!
5

out of 5

POSTED: | BY: Kelle

Trupanion express makes this insurance!

Trupanion express is amazing - being able to leave the clinic without paying the full bill in case of an emergency gives me piece of mind. We've had to contact Trupanion several times during an emergency and they were always prompt, friendly, and helpful.
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5

out of 5

POSTED: | BY: Beverly Anderson

I picked a great Insurance for my baby

Trupanion, is a great pet insurance and I would highly recommend this insurance to anyone and while I was at the UF vets I did recommend your Company to a person that did not realize there was such a thing as pet insurance !! I even picked up the brochure and handed it to them, Thanks Beverly Anderso
5

out of 5

POSTED: | BY: Jeanine Chatel

You are the best!

This insurance for my pup has been a Godsend. The process is easy and quick and you can even pick your own deductible amount too. I feel so much better having the coverage because you just never know what is going to happen. Trupanion customer service is excellent and they explain any questions you have. The process is easy and stress free. The emails are easy to understand and the website has all the info in one place. Thank you Trupanion.
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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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