Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 74,126

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: Rhonda Museums

Great Company that is truly concerned about your pet's health

The customer service is excellent----very caring group---willing to go the extra mile for your pet-----although my claim didn't pay out well--because of routine care being done---I was treated like I was the only customer on the line---and they took the time to explain why the pay out was low----meant a lot---
5

out of 5

POSTED: | BY: Diane Hoes

Thank you Trupanion for processing our claims for "Mackie" in two weeks!

We were pleased that Trupanion processed our claims for "Mackie" in two weeks. We had paid $7000 for tests and surgery for Mackie, when a cancerous tumor was found. We were happy to be reimbursed approximately $6000 by Trupanion. Trupanion now has lots more insured pets, than when we purchased health insurance for Mackie five years ago. Our first claim (4 years ago) was processed and reimbursed to us the next day! This time it took two weeks, but we were happy to have our claim paid in two weeks. Trupanion are always very friendly and caring, and we are happy to have them on our side :) You might want to consider adding staff to answer phones, as it is necessary to hold on for 1/2 hour or more. When we purchased insurance five years ago, we could get through to Trupanion on the phone instantly!
5

out of 5

POSTED: | BY: Susan Henderson

Trupanion is a life saver

I can't say enough good things....Trupanion has been there for my little guy...no muss no fuss...just reviewed medical records...payment to me in less than a week after I faxed them a copy of the Vet bill.....and they always thank me for taking care of my fur babys health....I have had them for 3 years and also have my cat insured with them...I feel secure knowing if anything happens, god forbid, Trupanion is there to enable me to provide the care that will be needed. I tell everyone about my experience and I recommend them to everyone who has a beloved pet.
5

out of 5

POSTED: | BY: Mary M

I would recommend Trupanion

I would recommend Trupanion to a friend. I was confused about whether to use the claim form with sections A and B or the streamlined version. This was my first claim and I had to figure most the process. Once I did it was easy to file Kira s claim. When I needed to speak to a representative that went well also. The time from filing to getting our check was less than I expected. Overall I am very pleased with Trupanion's service.
5

out of 5

POSTED: | BY: Michael Brown

Love the service.

Love the service. Only issue is my rate continues to rise.

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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