5
out of 5
POSTED: | BY: Randy
Pet INsurance
are dog had plurals effussion and tumur in the lungs.trupanion was there all the way.
4.9
out of 5
Number of reviews 60,506
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: DeeAnna
very good
I have a six month old yellow lab. I had no idea she would come up with the medical problems she has had. My puppy has had three different claims due to giardia, hip dysplasia, and ingestion of chocolate. I have been very pleased with the prompt processing and payments made by trupanion. I hope she grows up without any more problems but im very grateful for my pet insurance because i love her enough to provide the care she needs.
5
out of 5
POSTED: | BY: Toby
Compassionate Team of People
Keeva, our 4 year old Olde Victorian Bulldogge tore her cruciate a couple of years ago .. she needed a patella repair as well and her
insurance covered 80 per cent ... because she is not dog friendly I used to take her out late night to potty .. two nights after she had the surgery she tried to bolt after a neighbor's dog that was passing by .. trying to restrain her with her harness, she hit her knee on the pavement .. blood shot out and at midnight I was in the emergency clinic with her .. fortunately the stitches didn't rupture but they had to sedate her to clean the area and rebandage it ... Trupanion covered the cost ..
.. this past January Keeva tore her second cruciate and her other knee
needed repair and the surgery was 80 % covered including the fancy haircut ... all
the representatives I have spoken with have been very kind and caring ... when my daughter got her first puppy, a Chihuahua last month we insured her with Trupanion with no hesitation .. I love that they have 24 hour phone service, there is always a friendly helpful voice on the other end.
Thank you Trupanion for your excellent service and genuine compassion for Keeva ..
5
out of 5
POSTED: | BY: Xiomara Paschal
Best Investment Ever
I have always been a dog owner and never invested in dog insurance until my last doggie pasted away, the medical bills were outrageous but we did everything we could to help him out. The vet asked us if we had pet insurance and we said no, he strongly recommended it if we had any other pet.
I rescued two jack russell's and immediately enrolled them in this pet Insurance. I was a skeptic but I was really impressed when I had to take them in to the vet and they paid my claim in no time. The only draw back, is that you must have the doctor fill out the claim when you first take them in to expedite the claim. This I learned after the first claim and it really has paid off and I have recommended it to all my Pet Loving friends. Trupanion is well worth it.
5
out of 5
POSTED: | BY: Nancy Gustashaw
Very interesting concept, but would like to compar
Very good follow-up & prompt response. Would like to compare pricing & coverage to other companies.We only had a 1 month trial,so I'm not sure our rating for Trupanion can be fair or unfair.
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