Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 63,620

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
1

out of 5

POSTED: | BY: Cecil

Bait and Switch!!!

Below is the email I received about a premium increase for my dog who is about 1.5 years old and has been insured for just over a year now. They are increasing my monthly premium from $39.68 to $68.10 which is nearly double!! This is unbelievable!! I am now realizing how many other people they've done this too over at least the last couple of years using the same terminology to create a loophole from the original contract. Beware of Trupanion!! I wish I paid more attention to the negative reviews when first researching. Policy Number: XXXXXXXXXXXX 11/30/2011 Re: 1/9/2012 Premium Adjustment Dear Cecil Xxxxxxx, Thank you for being part of the Trupanion family and for being a responsible pet owner. We strongly believe in being a partner to help provide the best medical care for your pet. We cover diagnostic tests, surgeries, treatments and medications with no limits — no matter where your pet goes for care. As incredible advances in veterinary medicine continue, the cost of veterinary services also increases. Trupanion is different from other insurance companies. We do not use a complex benefits schedule or fixed payout limits when paying claims. Instead, we price our insurance to cover 90% of actual injury or illness costs — the best in the industry. Because of our outstanding coverage and the increase in medical costs, on occasion we must adjust our rates. As a result, a rate adjustment is planned for this year. Your new monthly premium and the
5

out of 5

POSTED: | BY: Jayme Pinales

Trupanion is the BEST pet insurance company

I have a 2 year old mixed breed dog that has had nothing but problems ever since her turned 2. I have had the option of taking great care of my wonderful dog because I am insured by the best pet insurance company ever. Thank you so much Trupanion for helping me...
5

out of 5

POSTED: | BY: Jesse

excellent!

I can't say enough in praise about Trupanion. Great service, great company. My dog has been sick for over 1 year with serious bills and they have stuck with us unconditionally. Thank you and keep it up!
5

out of 5

POSTED: | BY: Lucinda

Great Communication and Quick Response

Recently, our poodle mix ruptured her ligament in her hind leg. We quickly took her to the vet and did not worry about the expense. Once we faxed the docs needed, Trupanion communicated at each step of the way via email. It was easy and reassuring to know what stage the claim was at. Soon after the claim was approved, we received a cheque in the mail. It is easy to do business with Trupanion and not worry about our beloved Chulita. We would definitely recommend Trupanion to others.
5

out of 5

POSTED: | BY: Vincent Warner

A Great Company with great service!

My American Bulldog had to have his ACl replaced and Trupanion, was great to work with. They answered all my questions, helped me with my claim and even followed to ask how he was! My vet didnt even do that! Would suggest it to anybody who loves their pets!
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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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