Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 64,522

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: Mary Lou

Excellent response to claim for vet costs.

Trupanion's response to our claim for veterinary care for our dog's bite injury was excellent and impressive. They responded immediately, kept us informed as to the claim's progress and actually seemed sincerely interested in the well-being of our dog.
5

out of 5

POSTED: | BY: MARYJEAN

GREAT INSURANCE- EXTREMELY HAPPY WITH THEM

WE HAVE TWO DOGS AND HAVE HAD SEVERAL CLAIMS SINCE WE JOINED AS THEY BOTH HAVE SERIOUS LEG AND HIP PROBLEMS. TRUPANION HAS REALLY HELPED US BE ABLE TO AFFORD TO HELP OUR DOGS WITH THEIR CORRECTIVE OPERATIONS. I HAVE REFERRED SEVERAL PEOPLE TO TRUPANION.
5

out of 5

POSTED: | BY: Bernadette &

Truly The Best Insurance You Can Have

Trupanion has been amazing. I found Trupanion to be exceptional in their customer service and processing of claims. My puppy has been in/out of the hospital recently and Trupanion has made this unfortunate period of our lives so much easier. They have really supported me and my puppy the whole way through. Every associate has been amazinly understanding and compassionate. They truly care about your pets' well being. All claims have been processed really fast and without error. Trupanion has been wondering and I would like to thank their entire staff for making things less complicated and easier to handle. Hands down, Trupanion pet insurance is better than any other out their and even better than the health insurace we are provided as humans. Without Trupanion, I would not have been able to provide all the medical care to my puppy she has required in the past couple of months. THANK YOU TRUPANION FOR BEING SO WONDERFUL AND CARING, JOB WELL DONE!!
5

out of 5

POSTED: | BY: Pamela Hatfield

competent insurer

Having dealt with several insurance companies, it was surprising to work with your people in solving the occaisional problems encountered. Clear, definitive answers (sometimes not in the client's favour) are still welcome & helpful.Funny thing about clarity & honesty...it builds a trusted relationship.
5

out of 5

POSTED: | BY: Amy

Excellent

My experience with the claims we submit to Trupanion have been great. They are true to their word with very few restrictions and breed predispositions. They are timely with processing the claims and getting the checks to me. I have and will continue to recommend this insurance company to the clients at my practice

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

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