Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 73,935

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
1

out of 5

POSTED: | BY: Nick 'Salv' Reed

These guys will do anything to deny

These guys will do anything not to cover your pets. We were customers for 2.5 years and in that time were rejected on all but one claim. We knew that was what insurance was for and accepted this until they linked our dog having a rash caused by a cut on his paw to ear infections. They claimed it was likely both were allergies. We're not unreasonable people and entirely understood the potential mistake (allergies could cause both ear infections and a rash BUT this rash was from a cut). Our vet called twice to ensure trupanion that it was impossible these were linked and they still denied us. On that, we dropped coverage. To add insult to injury, they sent us a condescending email saying their actions were "standard in the pet insurance industry." Don't bother with this company, just save $100/month and you'll be better off. Edits for the public good (because I can't reply to the company's response below): I understand how insurance works - the condescending response below is indicative of how lowly Trupanion thinks of the public. This is a case of a new condition being denied coverage because Trupanion is desperate to link any claim to something so they don't have to pay for it. Our dog never had any rashes before enrollment. Further, our dog never had a cut prior to enrollment. Linking his handful of ear infections to this rash/cut on his paw was a ridiculous ploy. Again, our vet actually took time out of her busy schedule to explain how it was impossible this claim was related to anything prior to enrollment. We went back and forth multiple times and explained this in clear detail. We were told repeatedly that ear infections definitely are related to a rash (again, from a cut) on our dog's paw and thus Trupanion had to deny our claim. Malarky. Would an insurer, in good faith, deny ointment to a human's hand cut on a rock because he/she had previously had an ear infection? Lying to the public and trying to paint me, the customer, as unable to comprehend how insurance works on this forum is a poor show.
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5

out of 5

POSTED: | BY: brian Black

i recommend trupanion as my dog insurance carrier

honest and fair great customer service quick return
5

out of 5

POSTED: | BY: Karen Gilbert

So glad I chose Trupanion, it’s been 10 years, great service.

I’ve had 4 dogs in the past 23 years, all have had pet insurance, the first 2 were insured through my job in Veterinary medicine, not with Trupanion, the 2 current boys are insured with Trupanion, one for 10 years and one for 6 years. Never ever an issue with a claim, everything is straight forward, fast turn around, amazing service. The same cannot be said of the previous insurance coverage I had. I have recommended this company over and over again to friends with animals. Totally satisfied client, thank you Trupanion for making what could be a stressfull situation , not stressfull, and allowing me to focus on my pets care and recovery, rather than worry about finances.
5

out of 5

POSTED: | BY: John Catchings

Friendly, Knowledgeable, Reliable service.

It's reassuring to have a pet insurance policy with Trupanian. Our dog is an important part of our family, and as such, we want protection against extraordinary health expenses. In the few claims we've filed Trupanion has been supportive and dependable.
5

out of 5

POSTED: | BY: Joanne Troiano

Easy to file a claim

easy to file a claim, quick reimbursement!
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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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