Trupanion | Pet Insurance Review

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: Michelle

Amazing!

I got this insurance when my dog was about 8 months old. I added the hip dysplasia coverage and my total premium per month is $39.25. Thank god I did. Shortly after signing my pup up for Trupanion, we noticed she was walking a little funny and seemed to be having pain. My vet examined her and strongly suspected hip dysplasia but wanted an x-ray to verify. The x-rays were about $220 and she also had bloodwork done prior to the x-rays and sedation. Trupanion paid 90% of all the costs for this to diagnose the dysplasia. I then took her to the vet hospital at Michigan State University to see a specialist. We decided to get a total hip replacement. My pup had her right hip replaced two weeks ago by the best surgeon in the world (literally, the world) and the cost of the surgery and all of the meds, hospital stay, pre-op blood work, and x-rays of her elbows and hips came to just under $5000. Trupanion processed my claim in under a week. I already have my check and they paid 90%, almost $4500. I've had the policy for only 4 months and have paid under $200 in premiums. Trupanion has paid me close to $4800 already for her surgery, diagnostics, and medications for an ear infection and allergies. I couldn't ask for more. Truly amazing!
5

out of 5

POSTED: | BY: Maddy

Excellent company and I recommend to all my friend

Trupanion is the best insurance company I could ask for. My 6 year old American bulldog, Roxy, has cancer and required a splenectomy and chemotherapy. Trupanion has helped save my dog's life and has made this whole experience a lot easier for me. They have paid every claim I submitted so far in a timely fashion and I am confident that they will continue to do so, because Roxy's treatment is still in progress. I will be forever grateful to Trupanion. My other 3 pets are also insured and I recommend Trupanion to everyone I know.
5

out of 5

POSTED: | BY: Linda

Excellent Company

I did a lot of research and chose Trupanion for my dogs.6-7 months after signing up with them my 11 yr. old collapsed in the living room with a heart issue. She is now 12 and doing wonderful thanks to Trupanion and her vet clinic of course. Trupanion has paid out A LOT of money on her claims. This was the best thing I have ever done for my dogs. This could be the difference between treating and keeping your pet and having to have it PTS due to financial issues. The people are kind and responsive. In my opinion this is a great company.
5

out of 5

POSTED: | BY: Kim

Trupanion is really great

I was so distraught when my puppy had an accident and had to get knee surgery - it was an emotional and financial strain. But, it was so nice to know that Trupanion was there every step of the way. The customer service is first class, they are 100% responsive and they truly covered everything they promise to.
5

out of 5

POSTED: | BY: Scott

Happily Surprised

This was my first claim with Trupanion even though we have been insured with the for 3 years. Filing the claim was super easy. I was contacted the next day stating that they had the claim. I was notified less than a week later claim had been processed and the surgery was covered at 90% of cost minuse deductible....exactly as policy states. Many friends and family members were pessimistic about having pet insurance and stated that it probably didnt cover much and may not be a wise choice. I will never have an uninsured pet again so that i wont be faced with a choice of giving them medical attention they need or putting them down. A++++
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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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