Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 77,903

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: Kristina Gould

Trupanion was there when I needed them.

Mahalo (Thank you) Trupanion for being there! This was my first experience with one of my pets getting sick and I was a bundle of emotions while I waited at our pet hospital to find out what was wrong with my little guy. I knew it would cost a pretty penny but I never imagined that a one night stay in the hospital could cost so much. I knew that I would have to endure whatever cost it took to get him some help. I contacted Trupanion while I waited for them to put together the estimate as my anxiety grew. When I inquired about direct billing the agent on the phone went over exactly what I needed to do and within minutes after speaking with the veterinary staff, they came back with an estimate from Trupanion and what would be covered. Some relief came over me to know that Trupanion was there to help me. Long story short, when I came back the next day to pick up my baby,(who had me worried all night) I was anticipating having to pay more in order to check him out. Low and behold, they submitted the final invoice to Trupanion and again, within minutes I was called up and told that they would be refunding me a huge chunk from what I paid the day before. What a relief! Thank you Trupanion for everything. I'm so glad that I had pet insurance. Trupanion came through BIG TIME!
5

out of 5

POSTED: | BY: Louise Peters

Wonderful response time!

After a very trying two months with my dog suffering undiagnosed pain, and having to experience the emotional rollercoaster of whether he was at the point of euthanasia, we had some tests done that pointed to neck and lower back issues as the possible source of the problem. The staff at Trupanion were very supportive throughout this trying time. Because we had Trupanion coverage we were able to choose the option of moving forward to the next step of imaging and treatment. This involved travelling out of town to a specialty clinic who, in turn, submitted a pre-approval for treatment options to Trupanion. After the treatment was finished, the invoice was forwarded to Trupanion in the early evening and we received confirmation of payment from Trupanion by 11:00 the following morning! Exemplary turn around time! Having Trupanion pet insurance has allowed us to get the medical care for our dog that we would otherwise not have the option of doing. The level of customer service that they have provided in this instance has given us the comfort of mind that we can provide the best care possible for our beloved companion. Thank You to all involved in support and care for our boy!
5

out of 5

POSTED: | BY: Kyle Wells

I wish Trupanion had insurance for pet's parents...we would definitely take out a policy for ourselves with them!

We went from caring for someone's pet to adopting her. Within a few weeks of this, we noticed a few suspicious places appear on her legs. One was benign but the other was malignant melanoma. Trupanion has been amazing from the ease of submitting claims to fast payment for her surgeries and radiation for the cancer. She has 3 more rounds, but we caught it at what they term stage zero. We have every hope of her having a full life with us as we just love this girl! We have already sung your praises to our friends that previously would have never considered pet insurance. Thank you, Trupanion, for helping us save our Ginger!!
5

out of 5

POSTED: | BY: Ray Baker

Fantastic company

I can never say enough great things about your company. You are truly amazing and a friend of pet owners. Thank you for your continued amazing service.
5

out of 5

POSTED: | BY: Elaine Kay

Grateful Golden Owner

My dog was very ill, and ended up being seen at 4 vet offices, and was hospitalized at 3 of them. Even though Trupanion was new to 2 of the offices, the claims were paid without issue. I cannot thank the vets and Trupanion enough.

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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