Trupanion | Pet Insurance Review

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: Catherine Jette'

Without Trupanion Insurance, I would have lost my house.

I have 4 cats, two are 10 years old, one is 9 and one is 4. I rescued all of them. Trupanion has been there for me and them for 10 years. They have always been right there when I needed them. I am probably up to $50,000 in veterinary bills. They have paid every one. It is so easy. One form to fill out. My vet faxes it to Trupanion and I receive an e-mail in days. The money is put into my checking account. They have never cancelled me, unlike other pet insurance companies. They are always there to talk to even late at night. Every vet takes this insurance. You pay the bill. They reimburse you as soon as possible. It is worth every dime you pay monthly. In an emergency whether it is illness or accident, they take care of the charges. I have told EVERYONE i KNOW to please get Trupanion.
1

out of 5

POSTED: | BY: Jennifer Preta

Warning read before you invest into this company

Warning!!!!!!!!!!! This needs to be herd!!!!!! You would never know this information unless it happened to you!!! So I feel the need to share! If you have a pre existing condition prior to getting the insurance obviously it would not be covered. But here is the real kicker!!!!! If you have a new condition and if they “feel” there is a 1% chance that pre existing “could but not definitely be linked” guess what your not covered!!!!!! My example my cat had a slight heart murmur before I had let insurance, my vet said not to worry about it because it can can happen just from the stress of the visit. Well I end up getting pet insurance, and 5 years later my cat has heart failure. So I was told since there is a 1% chance the heart murmur could have cause but maybe not I was denined ! My very reputable cardiologist vet even wrote a letter and still no go! I did an appeals and that was a waste of time! Wish I could have given 0 stars
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5

out of 5

POSTED: | BY: Laura

Trupanion Customer For Life!

What you see is what you get with Trupanion. I have found that the company's policy parameters and coverages are clearly stated upfront, and I have had no surprises with the claims I have filed. The claim filing process is easy and intuitive, and Trupanion has consistently responded quickly, efficiently, thoroughly, and with the care and empathy you would hope to expect from an insurance company. I can't recommend them highly enough.
5

out of 5

POSTED: | BY: Vicky

Thank you Trupanion!

I am so glad I found Trupanion! Our sweet 4 yr old chocolate lab has had to have surgery on both of her knees within 6 months of each other. Over $12000.00 altogether. I submitted the claims and had no hassle whatsoever from Trupanion. They paid quickly and the process was so easy. Thank you Trupanion!!
5

out of 5

POSTED: | BY: Linda Knott

Review of my claim

Your service is absolutely excellent! The removal of a cancerous mass from the mouth of my young dog was a very traumatic situation. It was so reassuring to know that your insurance company was there for me. The claim was filed and your response was quick. Thank you so much for taking some of the burden off and making this situation easier to handle.
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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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