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: Cheryl

Two vets in different states recommended Trupanion

So far, I haven't had to file a claim, and I hope that I never have to do so, but it gives me peace of mind to know that my wonderful dog Bunny of 13 years is protected. I chose Trupanion because both my former veterinarian (in Florida) and my current veterinarian (in Tennessee) recommended it over any other company. When I tell people that I bought medical insurance for my dog, they often seem surprised. I guess that they've never loved a dog the way that I love mine.
5

out of 5

POSTED: | BY: MARGARET

Trupanion has been absolutely wonderful …

Trupanion has been absolutely wonderful from the start. They are very easy to work with, and they pay very promptly.
5

out of 5

POSTED: | BY: Samantha

I would highly recommend Trupanion to …all pet lovers

I would highly recommend Trupanion to anyone who has a pet. We enrolled last year and Trupanion has already been invaluable in helping out with our 8-year-old dog's vet bills after he unexpectedly came down with pneumonia a few months ago. Even now that he's all better, I am happy we have Trupanion as it makes me feel like we will be able to take care of him no matter what surprises lie ahead. Everyone at Trupanion is kind and extremely responsive, and I've been recommending it to all my friends.
5

out of 5

POSTED: | BY: Kelly

Not "I would recommend to anyone" I …

Not "I would recommend to anyone" I HAVE recommended to EVERYONE I know! I currently go to Veterinary in the Caribbean and I debating getting rid of my Trupanion insurance since my dog is only covered in North America, however for $55 CAD a month I figured incase something happened. Something happened....a big something....all of a sudden he began limping (no accident or anything), I took him to Emergency at my school and they told me he had a Grade 4 Luxating Patella (knee cap out of place) but not ONLY in one leg....in BOTH. HIs visit was not covered since it is out of the country however, after a week of watching him limp and cry in pain (even though in pain medication) I decided he needed surgery ASAP and got a referral to a surgeon in Canada (there are none at my school this semester and they don't have the resources) I booked a flight home (during the middle of the semester) which cost me $1700 on Canada Day weekend. The surgery cost $4800 on top of my $1700 flight and my vet bills in the Caribbean; I cannot explain to you the feeling of relief when I got the email from Trupanion stating that they were going to pay ~$4100 of my dog's surgery. He had surgery by the best surgeon in the province and they ended up doing BOTH knees. The amount that they covered for JUST that lone surgery is more than my monthly payment for 5.5 years (which is how old my dog is - not to mention he has other claims). Dogs are so accident prone especially purebreds and rescues and Trupanion makes it fast and easy. I don't know a lot of people who have $5,000 sitting in their pocket for emergencies for their animals. It is also heartbreaking as a veterinary student to watch people come in who took the risk and cannot afford care for their animal. My dog is recovering well and his surgery went perfectly and he spent two nights in a facility with 24 hour monitoring and a vet present 24/7 - not to mention that because he had it done by a specialist if there area any complications he can just go back there without a referral. Thank you so much Trupanion for making veterinary care affordable and more importantly for helping my dog feel better!!!
5

out of 5

POSTED: | BY: Gizelle

It's very easy to get reimbursed by …

It's very easy to get reimbursed by Trupanion. They are very efficient!

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

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