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
Incredible customer service. A real human answers the phone within seconds of calling into Trupanion. They turn around claims and requests very quickly. We recently had a pet with some life-threatening medical issues and they covered pre-approvals in less than 24 hours. We are so grateful for Trupanion and the service that they provide.
HORRIBLE!!!
I would advise strongly against this company as they raise your rates every year. I have had them for three years and every year my rates go up 30%. You can find much more competitive pricing out there with the same coverage.
I’d never had to file an insurance claim for my Goldens, and had been paying premiums for 7 years (since they were puppies). it was a rude awakening when I actually filed a claim for my dog’s surgery.
Trupanion will nickel and dime you for everything. And they will make you jump through hoops, to make the process as difficult and discouraging as possible. 39 pages of medical records for my dog, who Trupanion has insured since she was a pup? Yes. And multiple requests from Trupanion, which I will not get into. I was literally in tears on the phone with Trupanion, worrying about my dog and feeling frustrated with your tactics. Who treats their customers like this? I love my dogs like my children and you added so much stress to an already stressful situation.
After my dog had her surgery, the vet’s bill was approximately $4,778.
Trupanion paid $1017.
I footed the rest of the bill.
You’re probably wondering…
With coverage like this, what is the point of having insurance?
I purchased this insurance in the event of a medical emergency or serious illness. When I needed coverage, it was a complete letdown. Having to come up with this much money (unexpectedly) when I “thought” I would be covered, with the insurance I had responsibly purchased, and have been dutifully paying. For seven years.
Sadly, I only learned how little Trupanion covers, when I needed it.
They do not cover ANY medical exams. If you were to bring your pet to the Emergency clinic, you will be footing the bill, for the entire exam.
Also your deductible is for EACH health issue. Penny had surgery for tumor removal. $700 deductible. In addition, she needed to have dental work (during same surgery). Another $700 deductible. During the procedure, the vet cleaned Penny’s teeth. $590 for cleaning, which Trupanion does not cover.
The nicest “surprise” was that Trupanion prorated the anesthesia costs, another way they could get out of covering things. Because they didn’t cover the cleaning, they deducted a third of the anesthesia costs.
My dog had to be under anesthesia for the surgery. They prorated it anyway (since they don’t cover cleanings). Why? Because they are looking for a way to get out of covering expenses.
Note: had I NOT had Penny’s teeth cleaned, then they would have paid for all the anesthesia. This was a convenient loophole for them, wasn’t it?
Trupanion’s proration was “a small amount” according to the Trupanion Representative I spoke with. I don’t consider $940 to be a small amount, do you?
I wish I had gone with another pet insurance company. One of my colleagues recommended Pet’s Best. She said the policy she chose even covers exams. Why am I mentioning this? I hope my review helps a few people choose a better insurer.
Sadly, Trupanion cares more about their bottom line, than about providing comprehensive medical insurance for pets.
Note to Trupanion:
Yes, I am an actual customer. And no, I am not providing you with my Member number. I am certain you will “pretend” to not recognize me as a customer ( as you do with your other negative reviews.) I have spoken with your customer service representatives a number of times.
Adding cutesy notes like “Give Penny and Daisy lots of hugs!” to your customer emails does not make for happy customers, when your customer experience is like this.
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
