Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 60,860

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: Nick

Best Pet Insurance is Trupanion

I had researched pet insurance for quite awhile before I came across Trupanion. I got an Aussie puppy in September and wanted to make sure I had adequate coverage for this very active breed. Trupanion seemed like the right fit for several reasons. First, they cover the ACTUAL vet bill and not some predetermined amount designated by the area you live in. People that post bad reviews may not realize what they are signing up for. If you know what Trupanion covers you WILL NOT be disappointed. They don't cover the office visit fee which we knew when signing up. Coverage begins after 30 days upon signing up. You can deterimine your copay, the most is 90% coverage, which I elected for. Pet insurance is NOT for routine maintenance such as vaccinations, spaying/neutering or check-ups...it is for injuries and illness and I assure you if your pet has had either, Trupanion WILL cover it. In the past 7 months I have submitted 3 claims (2 for bladder infections and 1 for an emergency visit), all of which have been approved and checks sent within a week! This is amazing insurance. Overall for those 3 claims Trupanion has reimbursed me for over $700 in vet bills and the process of submitting claims was very simple. Customer service is very nice and friendly and they even left messages if more information was needed for a claim. If you know what you are signing up for you will not be disappointed...Trupanion is really amazing. I highly recommend them and will remain a loyal customer.
5

out of 5

POSTED: | BY: CE

I Wish My Health Insurance was this Good!!!

My dog ate my wife's underwear had to have emergency surgery to get it out of his stomach and intestine. I live in NYC so the vet is SUPER expensive. The bill was $4780!Trupanion paid 90% no hassle... and I had a check within 7 days! The fact that they do not have procedure coverage limits is key. Highly recommended!
5

out of 5

POSTED: | BY: sharona

no wait claim approvals.

We can't believe how easy and quick it is for claim approvals. Our bulldog has had numerous health issues and the process was seamless in getting reimbursement.I wish my own health plan was as easy.
5

out of 5

POSTED: | BY: john canterino

professional and prompt payment

took max for hip x-rays. The claim was handled quickly and fairly. I have two other dogs insured and will add another in summer. I am most pleased int he way this arrangement has worked to date.
5

out of 5

POSTED: | BY: Carol Moerth

Happy Trupanion Customer

We have used other insurers but due to rapidly increasing premiums, we have ended up with both our dogs on Trupanion. One of our dogs was diagnosed with Lymphoma 14 months ago. Because we had insurance, we didn't even think twice about whether or not to put him through chemotherapy. He went through many months of chemo and is still in remission. The extra time that chemo has provided him has been full of happiness and health. Trupanion has been excellent throughout the whole treatment process. It is nice to have the peace of mind that we can choose the treatment that is the best for our pet and are not limited by what we think is cheapest.
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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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