Trupanion | Pet Insurance Review

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: Cindy Markling

Current Claim

I feel my claim was scrutinized and large assumptions were made where no diagnosis was formally made. Therefore my claim was not paid to the fullest even after both of my vets made no diagnosis to what Trupanion called a pre existing condition. It appears that Trupanion took blood work up reports to assume a diagnosis where no diagnosis was given. I feel this is unfair and does not serve the pet or the owner and leaves a bad impression for clients who make payment faithfully over many years. Very disheartening.
5

out of 5

POSTED: | BY: Garth Prouse

Conflicting information

I must tell you that it is frustrating to be told different information from different representatives, it makes it difficult to learn where one stands re differing issues.
1

out of 5

POSTED: | BY: joel bonomi

Automatic denial of claims

STAY AWAY from this company. They used a routine stool check that was negative on our new puppy that any responsible pet owner does as a "precondition" to deny a claim 2 months later even when the Veterinarian says they are in no way related. I am in the never ending appeals process and not holding my breath. When you complain, they have a rep reach out to you to act like they care when in fact they could care less. She must be their damage control person. If you check out BBB and consumer affairs you will see may, many consumers that were duped like me thinking that they were working with a reputable company. There should be a class action lawsuit. Also the time taken to handle the claim in the box below does not give you the correct options.
5

out of 5

POSTED: | BY: Donna Hannon

Best investment we have ever made.

We have had our insurance on our fur baby within 24 hours of bringing her home. I have been very pleased with your prompt service and that we receive our money back in our account within three days.
5

out of 5

POSTED: | BY: Liz

Do not cover exams

Trupanion says that they cover 90% of costs but it's not true - they do NOT cover any examination fees. You should know this before buying the plan. Our dog just broke his leg. The bill totaled almost $6000 for surgery and 2 nights in the hospital. After the $200 deductible Trupanion only ended up paying about 80% of the costs - they denied any cost related to examinations. Luckily they could not claim that his broken leg was due to a pre-existing condition, but I have read several other complaints about Trupanion denying claims when they determine that the illness was pre-existing. Would ONLY recommend them if you have a young, perfectly healthy pet at the time of purchase.
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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 Pet Insurance detail
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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