Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 61,354

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: Marianne

Trupanion saved our dog's life!

We rescued a 6 year old GSD in late 2010 and enrolled him in Trupanion shortly thereafter. A few months ago, we learned that he had a heartworm infection, and that his treatment would cost over $2000, an amount which would have been difficult for our family to afford. We went through the pre-approval process with Trupanion, and they approved our pre-approval request within 48 hours of receiving it. After the heartworm treatment, Trupanion reimbursed us for its cost about 3-4 days after we submitted the required paperwork. Thanks to Trupanion, we hope to enjoy many more healthy years with our beloved pet. Wish insurance companies for humans worked as fairly and efficiently as Trupanion!
5

out of 5

POSTED: | BY: Gail

Amazing Customer Service!

After losing my dear sweet Chenu our claims for her most recent Vet visits had been denied by the Pet Coverage. After calling Trupanion Customer Service initially the rep gave us the information that a re-consideration was absolutely possible. That alone was good news! They told us what type of records to get, where to send them and that we would be advised. I worked directly with Trupanion to have the xrays, scans and records sent to a specific Rep for review. Once they received the records the notified me right away. After an initial review of the records the rep determined a more detailed review should be done by one of their Vet's to truly provide us with the best possible use of our benefits. Immediately following the Vet review we were notified and provided a report of Trupanion's expert findings which resulted in reversal of the claim and payment being issued. Trupanion reps were kind, considerate, helpful and more than anything so understanding of how much Chenu meant to us, they were sympathetic and caring. Amazing Customer Service all around!!
5

out of 5

POSTED: | BY: cindi

yorkie

we had our yorkie in the hostpital and it saved us alot of money they paid 90 percent of the bill
5

out of 5

POSTED: | BY: Wendy Kane

Anad Sacculectomy

Jerika had an anal sacculectomy performed at a specialty clinic in Edmonton. Trupanion covered the claim within 3 days of sending it in. I have always had my claims covered in a timely manner and have never had a problem with this company
5

out of 5

POSTED: | BY: Laure

Totally Worth It!

My dog is big (100lbs) and getting older. I figured SOMEthing's going to happen sooner or later so I looked into insurance. I picked Trupanion because it seemed pretty straightforward. 8 months after I enrolled, my dog had a life-threatening emergency and ended up in ICU at the animal hospital. I was out of the state when it happened, and when I got the call from the hospital asking what I wanted to do should he need the $3600 emergency surgery... I felt so relieved that I could without a doubt say 'yes, please do it'. It was stressful enough worrying about my best buddy's health from 2300 miles away! He didn't end up having the surgery, but the tab still managed to be $1700 for all they had to do & his night in the ICU. I paid the deductible, exam fees, & 10% of the remaining amount so my part was $570. Trupanion sent me a check for $1130, which was $1130 I didn't have to cover! My dog is recovering and I am not worried about paying off thousands of dollars. The claim was simple and Trupanion had great communication with me throughout the process. Now dog insurance doesn't seem so 'crazy' to my friends. :)
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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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