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
5

out of 5

POSTED: | BY: Dr. Cindy

More than Adequate

While we were quickly reimbursed for our initial claims...I was surprised that they separated the diagnoses and prorated the deductible on each. I am surprised and disappointed that they do not cover diagnostic exams and preventive health. It would seem that they suffer form the same malaise as does human health...they pay for illness not wellness. the verdict remains out for me until I see how they handle the second leh of our 11mo old pup with luxating patella knee surgery. Since it was diagnosed at the same time, my sense is that the deductible is paid! We'll see.
5

out of 5

POSTED: | BY: Dana

Trupanion is the BEST !!!!!!!

When my worst fears turned into reality,and my baby Nani had seizures,my Trupanion insurance gave me the ability to help my 10 month old pug in every way that we can. My rep. Alicia is so compationate, and truely cares for the welfare of my Nani. The claims process was very easy, and only took a couple weeks. It feels good to know that if we need any major medical procedures- we will financially be able to do so without any hesitation.
2

out of 5

POSTED: | BY: Sorcha

Trupanion thumbs down

We have had a tough time with them - fighting for claims etc. And now they are increasing our rate by 65%. They say they can't help it, but I have never heard of insurance going up that much in one year. And our dog is only one year old. The reason I am on this site is to try and find a better company.
5

out of 5

POSTED: | BY: Bethe Polson

Too Good to be TRUE!

I purchased my new Pomapoo Bentley from a breeder I located through NextDayPets.com. There was an advertisement and I link for a 30 day FREE trial of Trupanion pet insurance on site for when I got my new puppy. I have had a number of dogs and cats - a number of which have had MAJOR illnesses - and I had always wanted to look into pet insurance. This seemed like the perfect chance! I signed up easily over the phone, and - what do you know - within my first week of ownership, Bentley started vomitting for a full day. I rushed him to an emergency clinic at midnight, and then he was transferred to my regular vet in the morning. Luckily, it turns out that he must have just eaten something that upset his tummy, but it took a number of tests & intreveneous fluids to get us to that answer. My vets willingly filled out the claims forms & faxed them to Trupanion for me.Within the span of a week, I had gotten a notice of receipt of claim, claim processing, and claim completion!! What a pleasant suprise!! Needless to say, I have signed up to continue my coverage after the FREE trail ends!! What a wonderful value and priceless peace of mind for my new baby boy!
5

out of 5

POSTED: | BY: Randy

Quick Claim Processing - High Integrity

After insuring two cats with Trupanion the past two years, only this month have we had an occasion to file claims. So far, medical bills on my 14 year old cat have amounted to over $ 4,000 in the past two weeks. I've read horror stories about OTHER insurers using all types of tricky maneuvers to avoid paying legitimate claims. I was very pleased to receive notice yesterday that ALL my claims submitted to date with Trupanion have been authorized for payment without any fuss or argument. They kept to their word and allowed all medical expenses except for a "Consulting Fee" when the oncologist conferred with the surgeon and the intial exam (which is a listed policy exclusion). If the pending diagnosis turns out to be the FINAL diagnosis (one blood test is still pending) then then treatment for my sick cat may end up getting very expensive. When I initiated my policy two years ago, Trupanion placed a $ 20,000 lifetime limit on each policy. Even though there was a minor rate increase, I am very pleased that Trupanion policies now care NO LIFETIME LIMITS. They have removed the payout limit entirely. Thank you for that Trupanion!! I don't know if it's possible to fall in love with an insurance company, but after receiving the notice that Trupanion is keeping their word and will be paying the bulk of medical expenses to keep my pet alive, I am at the least "Starry Eyed" over Trupanion. I will now be relieved of the financial burden of paying for treati
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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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