Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 73,935

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: Michael Ayres

My experience was seamless

My experience was seamless and I received a claim check within 2 weeks of my dog s procedure. Also, the vet s office is a great help as they handle the submission same day as the procedure and right from the office.
5

out of 5

POSTED: | BY: Marianne Burgess

Trupanion has been a lifesaver

Our puppy was not a healthy one for the first year and a half. She was constantly experiencing diarrhea and urinary tract infections. She was constantly on antibiotics and having visits with the vet. During that time period, Trupanion paid over $2000.00 for our bills. I don't know what we would have done without them. Belle s health has stabilized through diet and probiotics, the probiotics still being financially supported by Trupanion. Communication either written or on the phone is always a positive and supportive experience. I am very grateful that our vet recommended Trupanion when we first took Belle in when she was ten weeks old. Trupanion has been a lifesaver.
5

out of 5

POSTED: | BY: Stephanie Warrington

I recommend Trupanion

Our young and previously healthy aussie somehow got AKI and we ended up being referred to the top vet dialysis hospital in the southeast at University of Florida. We were told it could save his life, but would be prohibitively expensive for us as a family. Once we confirmed his chances of survival with good quality of life would be possible, we had to decide between paying for it or putting down our beautiful dog. I called Trupanion there in the hospital on a Sunday and they confirmed it would be covered and we even got an email that day to confirm. Now that our dog is back home with us for Christmas a slowly improving, we are also greatly relieved that our massive claim has been paid according to the policy and additional charges relating to his condition should be paid as well. I wish human insurance was this good - and this fast!! The best part is that every single person I spoke with or chatted online with at Trupanion was kind, able to help me with all my questions and compassionate. I have already recommended Trupanion to all of my friends.
5

out of 5

POSTED: | BY: Deborah Ruymen

The best !!!

I can’t say enough on how wonderful this company is !!! I would never have another pet without having trupanion for them . Hassle free claims and awesome customer service . I tell everyone it’s the best investment you can make for the life of your pet !
5

out of 5

POSTED: | BY: Amanda H.

Lifesaving Coverage

I would recommend Trupanion to ANYONE with a pet. I've never had trouble getting a claim paid, and their relationship with many hospitals means I never have to pay the bill- they pay the hospital directly. They've enabled me to provide top-quality care for my dog Bradford that I could never have afforded myself, and I am forever grateful. They helped with a knee surgery as well as cancer treatment and radiation that I know will make the time we have left together even longer and more love-filled. I can't say enough good things about this company that truly cares about the well-being of all their clients, and I hope pet owners everywhere will join Bradford and I as deeply satisfied Trupanion customers!

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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