5
out of 5
POSTED: | BY: Andrea
Great Experience
I've now processed 2 claims for one of my cats...this whole experience has been so easy & so pleasant. I've been pleasantly suprised with the entire claim process. :)
4.9
out of 5
Number of reviews 63,394
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: Jeff
Very pleased
We switched to Trupanion from one of their competitors and are *really* glad that we did. Their service is outstanding. Payments are made very quickly.One of the nicest things about this company is that they genuinely care about you and your pet(s). I have recommended them to many people.
5
out of 5
POSTED: | BY: Amy
Fast and fair
We used Trupanion to insure our Frenchie/Boston mix puppy. She is a very active and curious dog who also has a sensitive digestive system so we thought we better insure her to be on the safe side. The policy costs about 40$ a month but it pays 90% of claims (not including exam fees). We had to make several claims just a few months after enrolling her. She had a frightening reaction to a new topical flea and tick treatment and we spent Memorial weekend in the animal hospital. We mailed in the paperwork and Trupanion immediately emailed notification of receiving it. They also emailed the status of each claim a few days after that. We got our checks in the mail within 3 weeks. Trupanion is the first pet insurance we have ever used so we don't have a good means of objective comparison but for now, the insurance has already paid for itself! It is a relief to know that we can our dog to the vet without worrying about money.
1
out of 5
POSTED: | BY: Adam
Yikes. Rate hikes.
Wow these guys suck. 66% rate hike after the first year. So much for the few percent they told me.
1
out of 5
POSTED: | BY: Mike Baumann
Prepare for a big rate change with Trupanion
We have had trupanion for about 1 year now. Until now we have been happy. I have previously given this company great reviews.
I pay $38/month $0 deductable with hip displaysia coverage.
I signed up when my dog was approx 3 months old.
The companies claim at the time was your insurance premium wouldn't increase with age or claims only with increases in veterinary services. Sounds reasonable and the company claims to pride itself in simple language.
Today I recieve in my inbox that their rates are going up. Not just going up, but going up by 3X. My same coverage will now cost $93.85. Their reasoning increases in medical expenses. What a crock of poo. I see the bills they haven't increased 3X in my area.
Your left with changing your deductable to $1000 to get anywhere near your previous rate. Lets not forget the $1k deductable is per illness or injury not per calender year. If you haven't seen the rate increase yet expect it to come within the next year. they seem to be phasing this rate change in.
I'll be cancelling my policy when the rate change occurs.
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