Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 63,168

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: 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. :)
5

out of 5

POSTED: | BY: Maureen

Efficient, friendly,

Our labradoodle Louis suffered an acl injury.After a consultation with a specialist it was decided an operation was necessary. This is a complicated surgery and a long recovery but the prognosis is good. We went through a lot of stress with the operation and now into recovery. It has all been hard although the medical people were wonderful and the operation appears to have been worth the pain, not to mention the expense. Trupanion have been excellent, that was one area that was stress free and painless. They answered our claim form immediately upon receiving and the money was in our hands within days. We would strongly recommend Trupanion and we have to whoever wants to listen to our story.
5

out of 5

POSTED: | BY: Ken Hanaway

Trupanion has saved my dog's life

I selected Trupanion insurance for my white German Sheperd, SnowBear, when he was 10 1/2 and I glad I did. He had always been very healthy. Literally two months after he was insured, his groomer found a tumor by his adrenal gland when she was checking him over. It turned out to be cancerous, in fact a very aggresive form of cancer. My vet said to get him operated in immediately. The surgeon said if we had not done that SnowBear would be gone in 90 days. You can imagine my relief at having Trupanion to cover the costs of this (surgery alone was about $3,500. Then he may need radiation treatment (thankfully he did not) and chemotherapy (he did). This was also covered at the 90% rate by Trupanion, along with all the blood work, ultrasounds and xrays which continue to this day. SnowBear has finished his first round of chemotherapy and they believe he is now cancer free. They want to continue some chemotherapy and all that that entails for some time period just to be sure. For now, though SnowBear appears to be cancer free! SnowBear is alive thanks in large part to Trupanion helping with the expenses. They have been wonderful so far from my perspective.
5

out of 5

POSTED: | BY: Jesse

Best product out there - hands down

Trupantion has been supporting the care of my dog - Kalu - for around 7 months now. He is a great little pit, and has been struggling with right sided heart failure and pulmonary hypertension. This has required A LOT of diagnostic processes and A LOT of ongoing medicine, and Trupaion has been a great company to work with throughout. They really don't penalize their clients for making the right medical decisions for their animals, and that is very impressive. Thank you Trupanion!
5

out of 5

POSTED: | BY: Julie

Amazing insurance company

Trupanion is truly a lifesaver. My 15 month old dog began limping badly a couple months after I took out a policy with Trupanion. He was diagnosed with severe hip dysplasia and needed operations on both of his hips. Luckily, I had paid for the hip dysplasia amendment. Thanks to Trupanion, he had his first operation three weeks ago. He will have his second surgery in a coupe of weeks. We could not have afforded to provide these operations for our dog without financial help. Trupanion has been paying 90% of all costs of this operation and we are forever grateful. Initially, they looked at all of his medical records and determined that his condition was not pre-existing. Since then, all claims we have put in have been approved in a matter of two days. Checks have come as promised and in time to pay off our credit card. The only things that I feel is lacking is that they don't pay for physical therapy. I can understand not paying for alternative medicine, but physical therapy is very needed after extreme orthopedic surgery. The price of physical therapy is out of our reach. Again, though, we are so grateful that Trupanion came to our rescue and saved our dog's life. The staff is wonderful, all angels. They are an honest company and do what they advertise without any hassle.
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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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