5
out of 5
POSTED: | BY: marlie
great service
great service
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: Riley
A-1 Service from Trupanion
I would recommend Trupanion to anyone who asked me. My German Shepherd, Riley, has had several serious health issues in her life. She is only 18 months old but her vet bills have totaled in excess of $12,000.00. She had her first health issue when she was approximately 8 months old which was prior to us purchasing her pet insurance thru Trupanion. The total bill on this was in excess of $4,000.00 which came out of my pocket. We purchased health insurance for her just prior to her turning one year old. Since then, she has had two rather serious illnesses which totaled in excess of $9,000.00. I don't know how we would have been able to afford her care if it were not for Trupanion. They have truly been a life-saver.
5
out of 5
POSTED: | BY: Krista Schroeder
Quick Claim Processing! No Complaints!
I've had Trupanion insurance on my two German Shorthaired Pointers since October, 2010. Before that we had PetFirst Insurance. I switched to Trupanion after I found out that with PetFirst illnesses/injuries filed in one policy year became pre-existing conditions (and thus were not covered) in subsequent policy years. I thought this was crazy! If my dog developed a chronic condition, under PetFirst Insurance, I would only get paid for claims filed in the first year of his illness. Therefore, I did a lot of research and switched to a Trupanion policy with no deductible. In July, 2011, Max developed a skin infection. We went to our regular vet several times and most recently to the dermatologist. All our claims were processed within 2 weeks (several within 1 week). Our most recent claim was for over $400 and Trupanion approved it without issue. When looking into insurance companies, do your homework. Trupanion does not cover routine care and vet office visit fees. However, these are small costs I can easily fit into my budget. Trupanion does cover diagnostics, medicines, surgeries, etc. These are the expensive things you buy insurance for. Therefore, I would recommend Trupanion for 3 main reasons. First, their policy is the best out there in terms of coverage. You get unlimited event/lifetime limits and coverage for most conditions. Additionally, you get coverage for chronic conditions (as long as the condition starts after you have the insurance). Second, the
5
out of 5
POSTED: | BY: Eric K
Trupanion Delivers What they Promose!
My lab, now at 7 started terrible itching and I could see he was destroying his skin. We took him to the vet, as I couldn't stand watching him so uncomfortable. The vet feels he has developed allergies, and suggested an allergy test. Didn't think twice about saying ' do whatever you need to do'. It was a $690 bill for testing and meds. We are still waiting for the results but within 2 days, I received an email, and 4 days later, received my check. I know Whatever it is, I don't have to worry about cost!
5
out of 5
POSTED: | BY: David
Bella needed surgery to repair one leg
The bones in one of Bella's legs did not line up properly after she injured herself. The surgeon had to brake the leg in one place, cut a wedge out of the bone and then reset the leg with the bones properly aligned
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