5
out of 5
POSTED: | BY: Gus
very good
fast,and reasonably fair, although I wish that they paid for the Vet visit/ exam to administer the treatment as it was all the same thing/at the same time
4.9
out of 5
Number of reviews 60,508
Updated: May 29, 2024
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: Luis
Speedy, detailed and very professional!
After faxing the claims in, I received an email for each claim submited, verifying that they had received it. Everytime a different step was completed, I received another email to let me know how the process was foing. A Trupanion representative (Heather) called me with any questions, she was very polite and professional, and then when everything was all finalized she called again to let me know how I would be receiving my payments and what the last part of the proces was/what to expect. For someone who has never used pet insurance, with Trupanion, I was never left in the dark.
5
out of 5
POSTED: | BY: Rosanne
Excellent!
In early June/2011, my little Shih Tzu had emergency surgery for bladder stones & a urethral obstruction. Since then, we have been dealing with recurring bladder infections. Without Trupanion's Vet Insurance, I couldn't have paid for all the check ups and medication. I would have had to give her up to someone who has more money, and my Schnauzer mix ( who has separation anxiety ) would be lost without her. Each time we go to the vet, he cries when she is out of his sight. Thank you for being there for us and for answering my questions when I didn't know what else to do. I will continue to recommend Trupanion to anyone interested in health insurance for their beloved companions.
5
out of 5
POSTED: | BY: reggie
outstanding
We submitted our bill and within a week we received an e-mail telling us that we would be reimbursed $730.35 out of a bill of $859.50. The exam fee of $48 was not covered. Then we received 90 per cent of our bill.
5
out of 5
POSTED: | BY: Debra
Great company
I never believed in pet insurance because & heard such horror stories about it. A friend of mine did some research & talked me into getting Trupanion. I picked my own deductable which made my premiums affordable. I only had the insurance for 5 months or so when my Pom injured her patella. I submitted a pre-approval claim with all the information they required, & they got back to me in a day or so & approved an estimate of $3184.00. I had the surgery, submitted the final invoice & had the check in a week or two. I was amazed. Trupanion made a believer out of me!! In the future, I will insure every dog I have, but only with Trupanion. I know I probably sound like a commercial for the company, but my experience was that good!!
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