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: Peter Kalmus

I think Trupanion failed on my claim to be covered for Bruno's possible early renal disease.

I think Trupanion failed on my claim to be covered for Bruno's possible early renal disease. He was denied coverage even though there was no diagnosis of anything before he was insured. And he had only a slightly elevated creatinine which could have been caused by a myriad of factors. There was no pre-existing condition before he was insured. You will take your premiums, but you will make every effort to deny a claim if you think you can get away with it...no matter how tenuous the defense. In my case, you are plain and simply wrong. What good is an insurance company that tries to squirm out of legitimate claims when you need them? As a lawyer and customer, I can't endorse a company that will deny any clam they think they can get away with. It's not coverage.
5

out of 5

POSTED: | BY: Janet Betts

EXCELLENT SERVICE

We are extremely happy with the Staff at Trupanion. It was our first call to report an incident with one of our dogs. The staff told us what they need from our vet office and also advised us about express claim service. At times when there is so much stress in dealing with the situation of our dog, Trupanion made it easier for us. We can't thank them enough for their help. So glad we have our pet insurance with Trupanion. Trupanion you rock!!!
5

out of 5

POSTED: | BY: Lisa

Trupanion is a life saver (Literally!)

When I took in a shaggy, rough and tumble stray a few years back I never imagined he'd steal my heart the way he has. I also never imagined that he would be so unlucky with his health. Fortunately, I had a gut feeling from the start that I should start a policy for him and it was one of the best decisions I ever made. Trupanion has saved my cats life more than once and made the normally tough decisions easy. Claims are processed and paid quickly. They've never not covered anything that they didn't already clearly state wasn't covered (ie: cost of visit, food, etc.) If only people insurance was this good!
5

out of 5

POSTED: | BY: K. Collier

12 Years of Trupanion and Counting!

I have been a highly pleased customer of Trupanion for 12 years now. I selected them with a shoulder shrug (no clue which company to choose) and have stayed with them because they are a fantastic company. There are no hidden fees or clauses and nothing contrary to what is advertised. The 90% reimbursement is great, and there are no catches when it comes to the 90/10 policy. They are not like other pet insurance companies that put limits on how much they will pay per condition. This is big because I have an epileptic dog who also has a chronic infection - not small priced problems. The vast majority of times, claims are paid timely, I'd say not much more than 2 weeks. Like with any insurance company, there have busy periods and claims may take a bit to be reimbursed. There have been times when I've had to wait more than usual. I won't lie - those times have been inconvenient and frustrating. But those times have not been frequent. The customer service representatives are friendly, and they care about the pets of customers. Not only that, the company is based on pet love. A staff of more than 100 people can bring their animals to work with them. I have been on the phone with representatives whose dogs have been right by their sides while we talk. That's pretty neat. I write a lot because Trupanion has been with me through the highs and lowest of lows (pet loss) that come with being a pet parent. They truly are a great company.
5

out of 5

POSTED: | BY: Scott &

Best insurance company, in any capacity!

Trupanion has been there for us continually over the past 5 years. Reps are always kind and helpful. I reccommend that you obtain the lowest deductible that you are able to afford as each visit to the vet may include multiple conditions. It has really paid off for us in the long run.
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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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