Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 66,277

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: Kristy Mangia

Trupanion Helped Save Luke's Life (and mine!)

I would recommend Trupanion all day every day and I have to a lot of pet parents. My beloved dog Luke was diagnosed with soft tissue sarcoma at the young age of 6. It was absolutely terrifying but with Trupanion I was able to make the best medical decisions for Luke and not have to worry about the financial side of things. As a result Luke has gotten and will continue to get the best care that he can get. It gave such peace of mind to not have to make decisions based on money but what was best for my best friend.
5

out of 5

POSTED: | BY: Andrea Skelly

I am grateful for the financial and moral support for Lucy

Almost every month for the past 5 years, I've asked myself if paying ~$30/month for health insurance for my cat Lucy was worth it, particularly at a time when i had needed to cut expenses......she is young and healthy. I've never had pet insurance before. Saturday night she was hit by a car, suffering fractures of her leg and pelvis. A neighbor found her and took her to Seattle Vet Specialists' ER. After assessing her injuries, the estimates for her immediate ICU care and subsequent surgery were more than I would have been able to manage had I not had Trupanion. Even at 2 am, when they were called, the Trupanion representative Roslyn was supportive and affirmed that the costs for immediate care and likely for related surgery would be covered. She worked with the SVS coordinator to set up direct vet billing. When I learned Lucy would need surgery, Kelli was also helpful and supportive. It was such an immense relief - knowing that the majority of expenses would be covered made all the difference between having to make a tough decision because of financial circumstances and getting her the care that would allow her to be with me for a long time. She is young and should recover well. I'm sooooo grateful for the caring staff and the financial piece of mind. Thanks so much!
5

out of 5

POSTED: | BY: Dorry Foust

Wouldn’t have a pet without it!

Great company. Great people work there who love pets too. I wouldn’t have a pet without insurance ever. Animals are unpredictable like kids and you want the peace of mind that you could do everything for them when needed and not have to worry about the cost. It’s hard to put a price on a family pet or any pet for that matter. Our pet is a huge part of our family and would do everything we could to save them but without insurance that is very limiting.
5

out of 5

POSTED: | BY: Patty Schobelock-Neal

So fast...So easy...So efficient...So thankful

I was amazed that Trupanion reimbursed us within one week of our puppy's elbow dysplasia surgery. No problems, no questions... This is probably the most efficient company I've ever dealt with. I have peace of mind. Thank you Trupanion!
5

out of 5

POSTED: | BY: Deb Campanella

Many Kiddos - Many Many Claims

I have had Trupanion since 2008 - They have covered many claims with many of my kiddos 99% processed quickly - they are always fair - responsive - I have gone through their appeal process many times - their third party escalated appeal process several times too - and I have always found them willing to work with me to resolve the issues.

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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