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
1

out of 5

POSTED: | BY: Teri

Is Pet Insurance Worth It?

I signed up for Trupanion when I purchased my Cavalier at 3 mos. I did my research and Trupanion seemed like you got the best coverage for the best rate. Woops! Fortunately, I had no claims during the first year. Trupanion states in all their literature that their rates only go up based on Vet care in your area and breed. Nothing about increases approved by the state insurance commissioner or their profit and loss. After one year my rate went from $34 a month to $66. You can read all the reviews with their spokesperson's responses and it's the same mantra. It appears that they have now changed their policy and increases will be a regular occurrence based on additional criteria they are now implementing. I then began my search for a new company. VPI had a list of exclusions pages and pages long. Forget them. Others have increases as your pet ages, and some were even more than my newly adjusted premium. Reviews of various companies address claims concerns. Some claim denials seemed reasonable, but a good portion seemed unreasonable, i.e. your vet didn't provide as detailed documentation and now the insured is out of luck. Bottom line, unless you're the unlucky pet owner that spends a great deal of time at the vet, put your high monthly premium in the bank. For me over the course of 14 years, barring any further outrageous increases from Trupanion, I will have banked $11,088, not including that tiny bit of interest you earn at the bank today. In addition, you
5

out of 5

POSTED: | BY: SANDE

INITAL iNSURANCE COVERAGE

I RESPECT THIS COMPANY!I PURCHASED A PUPPY (MORKIE) THAT DIED WITHIN 10 DAYS. I SUBMITTED MY CLAIM DURING THE FREE TRIAL PERIOD AND THE COMPANY HONORED THE POLICY, EVEN THOUGH I HAD NOT PAID FOR COVERAGE. THIS WAS DURING THE TRIAL PERIOD.THANK YOU TRUPANION. YOU ARE AN HONORABLE COMPANY THAT PROVIDES EXCELLENT CUSTOMER SERVICE. THIS WAS A VERY SAD TIME FOR ME AND MY FAMILY. YOU LESSENED THE FINANCIAL BURDEN THAT CAME WITH OUR PUPPIES DEATH. MY NEW PET WILL BE COVERED BY TRUPANION INSURANCE.
5

out of 5

POSTED: | BY: Lynne

Great company to have insurance with

I have a 1 1/2 hear old yellow labe named Hailey,who jumped in a snow bank to chase a squirrel, and when she jumped she tore her cruciate and had to have a TPLO to fix the leg. My claim was pretty high and Trupanion paid the claim much to my satisfaction.
5

out of 5

POSTED: | BY: Cortney Miller

ACL repair (X2)

I highly recommend this company. My dog is 2 years old and just had his second ACL repair. The insurance company is very fast to reimburse. I am so happy we had the insurance as these procedures are very costly. They even rushed a pre-approval since we were getting married in 2 days.
5

out of 5

POSTED: | BY: Azu Parra

Speedy Claim process

I just had a great experience with Trupanion. My puppy Coco got really sick and as it happened on a Sunday I had to rush her to the emergency room where they held her for few hours, I was really worried about the cost for this service, well the bill was huge and when I pick her up they suggested she should be seen by her vet the following morning. I took her there where they x ray her, run some blood work, and give her fluids. When I pick her up after medicines, and all the tests she had gone through I paid again a huge bill. Well I faxed my claims a couple of days later, immediately after that I received an email with the confirmation of my claim and few days later another one with the approval of my claim and few more days later I received 2 checks for most of the expenses of my Coco. I am so glad of not having this fear that if Coco gets sick she will not get the appropriate care because of the cost of it. Thank you Trupanion!
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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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