5
out of 5
POSTED: | BY: Juliet Lewicki
Well educated
Your representative of very well educated with the policy.
4.9
out of 5
Number of reviews 66,493
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: John Casias
The best for our pet
I acquired my puppy, Kissy on 05/12/2017 in the late afternoon and took her to De Anza Veterinary on 05/15/2017 the following Monday since the breeder suggested for a Vet checkup as she always recommends all her clients and so we did. Our little Kissy was deemed extremely healthy and she had a slight hernia. The next day we purchased Trupanion Insurance for Kissy not knowing the preconditions would be a factor (one day). I guess I should have had a crystal ball in front of me to purchase pet insurance prior to acquiring my puppy Kissy. My intentions were innocent because we had another dog who unexpectedly got sick and we spent thousands of dollars hoping for her to get better and unfortunately we lost her. It was devastating for us and I did not want that to happen with our new addition to our family. So we decided to purchase pet insurance through Trupanion and this is the first time we have ever in our lives have had pet insurance because I want the best for my Kissy. So I was surprised to find out of the preconditions we missed out by one measly day. Gosh we were so happy to have pet insurance and now I question are we going to be ok down the path if God forbid something for the worst may happen to our Kissy. I want to trust Trupanion mostly for our Kissy to have a chance for the best long life as possible. I understand dogs don't as long as people, but we want the best for our Kissy's life time.
5
out of 5
POSTED: | BY: Melissa Owskey
Resolved issue
The first representative I spoke to did not send me the cancellation email as we discussed. When I called back a manager handled everything for me.
5
out of 5
POSTED: | BY: Renee Dillmuth
Monthly premiums
Trupanion has been great but my one frustration has been monthly premiums consistently increasing without warning or explanation, thanks!
5
out of 5
POSTED: | BY: Karin Kidd
Payment
Truepanion can only do as much as they can with the information that they receive from the vet my authorization for my Pat was delayed which I found out it was based on the fact that the final invoice which I have paid in full had not been forwarded to Trupanion Pet Insurance .
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