5
out of 5
POSTED: | BY: Debra Churchill
I am very grateful to have Trupanion!
Trupanion is wonderful and absolutely honors is clients!
4.9
out of 5
Number of reviews 76,026
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: Steven
Don't believe the claims about Premium increases
Don't believe the marketing claims that they dont raise premiums because of age or claims. I've had Trupanion for nearly 13 years on the same dog and my initial premiums were less than $40/month. The premiums increased every year and last year were $99 a month. There have been very few claims over the past 13 years with payout of less than $2000. In 2018 there were more clams than usual with payouts of about $700. This year my premiums jumped from $99 a month to $150 a month, more than a 50% increase. My vets rates didn't increase any and my pet is not on routine maintenance medications. So why the increase? Only real reason, despite the marketing hype, is my dog is now 13 and had a few caims last year non that were significant and nothing chronic.
5
out of 5
POSTED: | BY: Gary
Excellent
Exremely happy with response to our last invoice payment. Quickly done. Thank you Trupanion.
5
out of 5
POSTED: | BY: Theresa Sabo
More than fair and generous
First of all, I want to advice all pet owners to read the policy limits thoroughly when they purchase a plan and also to buy insurance while your pet is young. Also Read the policy changes upon every renewal!
Trupanion, for instance, does have a preexisting condition cause and imposes some limits in the first few months of coverage. But they cover conditions that other insurance don't, including luxating patellas, etc.
It is not a wellness plan, but a Major Medical plan and you can determine the deductible per incident yourself. So Trupanion does not pay exam fees or routine dental cleanings and vaccinations. But they cover ultrasounds, surgeries, medicines,lab tests, x-rays, etc. We pay for a supplemental rider for alternative medicine and therapies as well, including physical therapy.
Trupanion has reimbursed us thousands of dollars over the years for our little Westie mix who has had more than his share of health issues and a few accidents as well. In fact, our vet called him the "poster child for pet health insurance!" They have covered Melo for Pancreatitis, Teeth extractions, prescription medicines, a torn paw tendon, etc. The deductible is per condition, so even though Melo has had a few years of treatment for a liver/gall bladder condition, the deductible only applied once! Over nine years, they have turned down only a few claims, only one of which I thought was an unfair denial, but hey have been very transparent.
They even prorated the anesthesia for dental cleanings (wellness and preventive care not covered) when we had other procedures done under anesthesia at the same time!
I am very glad that Trupanion relieves our money worries when Melo needs care so we can concentrate on giving him the best quality of life.
In spite of medical issues, our nine-year-old dog remains a happy and active little dog. Thank God for Trupanion.
5
out of 5
POSTED: | BY: Lynne West
Having Trupanion Ins has been a blessing to me and my dog!
This insurance is worth every penny you pay. They are there for you when you have questions. Very easy to file claim and respond quickly. I am so glad to have chosen this insurance. They are wonderful!
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