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: Deborah Cummings

Abolutely first class operation, and a god send!!!

We had never had pet insurance before with our previous English Bulldogs, but after one very expensive experience we decided that with the next puppy we would get pet insurance. So we researched several companies and decided on Trupanion. According to their website it appeared they were by far the best: you pick your deductible, they pay 90%, no limits, and unlike other companies they do pay for medical issues that are predisposed to certain breeds. We picked up our baby bulldog on 12/11/10. We had a 30 day waiting period, and then we were covered. Our puppy was coughing a lot and very lethargic starting on 2/14/11. He was put on antibiotics and it appeared he was feeling better until the medication stopped. He was eventually diagnosed with pneumonia after lab work, and xrays. He was put on different antibiotics after a trans tracheal washing to find out what antibiotics would be the most beneficial. Even with several rounds of antibiotics the pneumonia kept coming back. Our vet referred us to a specialist at Tufts and after 5 months of being sick our puppy just had soft palate surgery. It appears he may have been aspirating due to his long soft palate (which is common in this breed). Trupanion to date has paid us over $4500.00. I get emails when they receive the claim, the status, and when its been processed. Payment is prompt. I never have to think about calling to find out where payment is. If I have questions they are pleasant and helpful. I have told every
5

out of 5

POSTED: | BY: Erik

AWESOME!!!!

They paid what they agreed to in the policy and tokk care of me and my DOG!!!
5

out of 5

POSTED: | BY: D and

Honest Company - No hidden tricks

After incurring thousands upon thousands of vet costs caring for our beloved dog who has since crossed rainbow bridge we decided not to risk an other financial setback. When we recovered from the grief and decided to adopt a dog we also got pet insurance. Knowing we could handle the expected routine well dog costs at the vet but cringed at the thought of unexpected expenses for an accident, serious or chronic illness and opted to get a policy from Trupanion. We thought as life goes we would pay monthly and never have reason to use the insurance as the last time around we really needed the protection and didn't have the insurance. Well we were right for a while and then the dog gets sick. Again the experience of our dog developing medical conditions that would require ongoing treatment and medication. Thank heavens we had the pet insurance this time. We have an excellent but expensive vet. Trupanion has been a financial lifesaver for us. Paid claims as promised. No hidden exclusions or excuses. The insurance comes with a "find my owner tag" and this service has been invaluable to us. It saved us from heart ache when the landscaping crew unexpectedly showed up and didn't secure the gate back properly. Before we knew it the dog got out. Panic was about to set in but there was Trupanion calling asking for permission to give our phone number to neighbors down the block who didn't know us but found our dog. Customer service is alway polite and helpful, filing a claim is e
5

out of 5

POSTED: | BY: Joanne

Trupanion Gives Excellent Coverage

After our 11 year old GSD mix dog Lyla broke her leg in 2010 and spending over $6000 I finally got wise and bought pet insurance for all my animals!I used this site among others to research the best company. Well I can say I definitely made the right choice with Trupanion!! Earlier this year my girl had a tooth extracted and had a reimbursement of about $700. But the really big one was a diagnosis of osteosarcoma (ugh!) last month. Another $6000 but this time Trupanion was there to help with almost $5000 in reimbursement ($500 deductible plus a number of specialist visits not covered) She will have ongoing treatment for this and so having the support for the vet bills is incredible. We also got reimbursed within a week! No payout limit for either each incident or for lifetime. Pays 90% of actual expenses not their own table of fees. Friendly people too :) Highly recommend Trupanion!
5

out of 5

POSTED: | BY: Susan R

Trupanion has been a lifesaver!

I have had Trupanion pet insurance for both my dog and cat since March and I love it! Their customer service is excellent and (outside of the very first claim which takes a bit longer to process) the turnaround on receiving reimbursement checks is excellent. They let you choose your deductible (I chose none) and they pay 90% of everything beyond the office visit cost. (Which I found was financially actually a better deal than competitors.) I am very satisfied with their service. They even think of the little details like a collar tag and insurance cards.
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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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