Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 64,745

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: Elizabeth

No brainer

Having watched friends spend lots of money on pet emergencies, I promised myself that if I ever got a dog, I would also get dog insurance. I just didn't expect to need it so fast! Zoey, our lab mix, was attacked & bit by another dog when she was 4 months old. The entire ordeal lasted over a month & included several rounds of antibiotics, surgery to debride the wound along with drainage tubes (EEEW) and that well-loved e-collar for 3 weeks. My total cost was $956. trupanion covered 90% of the costs, less the exam fees, less the laser therapy (which they are considering covering in the future since it is so commonly used these days)and less the deductible of $250. I sent all of the paperwork into them on August 18th and had checks for $524 on August 24th. I also heard from the local trupanion representative throughout. The claims process was super simple, I just faxed the forms in and had email responses immediately. I really wish they covered the laser therapy and the follow up exam fees (luckily my vet saw my dog several times without charging me at all), and I wish I had gone with no deductible, but even so, having the coverage paid for itself, the filing process was painless and trupanion was super fast responding & reimbursing.
5

out of 5

POSTED: | BY: John Douglas

Fabulous Service for Pet Insurance Needs!

If you've been debating getting pet insurance I encourage you to stop dead in your tracks, write down this address www.trupanion.com and make arrangements for Trupanion to look after your pets insurance needs. We've been dealing with Trupanion for a period of 5 years now and they've been absolutely fantastic, no questions, no BS just top quality coverage!
5

out of 5

POSTED: | BY: Cheryl

Pete and Karma

My dog Pete was diagnosed with cancer a year ago and just died in June 2011. My other dog Karma was dignosed with cancer in July 2011. Trupanion has been wonderful in expediting my claims very quickly. Also, they have been very supportive when they called to see how Karma was doing. I am very happy with Trupanion.Thank you Cheryl
5

out of 5

POSTED: | BY: Kristen

Keeping me (and my dog) as a customer

We have had our english bulldog since she was 8 weeks old. The breeder gave us a free 1 month policy for her so we looked into keeping it. Knowing english bulldogs can have a lot of healt problems, we continued with this policy. They have always paid out claims and paid them fast. And at 90%! Way better then a schedule of benefits. However, a few months ago, we received notice that the rate was going up. In order to keep the same rate, we needed to raise our deductible to $500. We shopped around and found what we thought was a great plan at a better price. Turned out to be a bad plan at a good price. So we kept our policy with Trupanion!
5

out of 5

POSTED: | BY: DENISE

DONT WAIT TILL ITS TOO LATE

Last year I signed my Great Dane LEXIE up for TRUPANION thinking I would NEVER really use it…To my surprise I have had more than my share of experiences with this company.FIRST I must say it was the SMARTEST investment I have ever made. SECOND, it has been the BEST EXPERIENCE. They have ALWAYS handled my claims in a timely, pleasant & efficient manner. THIRDLY they have ALWAYS PROVIDED her the coverage they claimed they would, some of which was outrageously expensive!!! WITH OUT ANY HASSLE SO don’t even think twice about giving yourself and your pet the BEST AFFORDABLE CARE available! CONSIDER IT PEACE OF MIND
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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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