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: Lisa Gaudet

Thanks to Trupanion, my lab is on the mend!

When I first heard of Pet Insurance, I had mixed feelings. It made sense to insure pets in the way we insure our other family members, but how necessary could it be? When we decided to add a chocolate lab to our family, we did our research and learned labs can get into all sorts of things in their first couple of years, and can have problems with their hips and cancer in later years. We decided to learn more about pet insurance and after carefully comparing plans, decided Trupanion was the right option for us. That was 7 months ago. Since then, Mugsy has swallowed a tube sock, had ear infections from swimming, and was coming up lame. After several visits and many xrays and tests (all covered at 90% minus the office visit fee), we found out he had a condition that causes the cartilidge in his elbows to calcify and chip away. The poor little guy needed surgery on BOTH elbows and it was going to cost over $4000. Without insurance, we'd have had to either let him live in pain, rehome him to a family who could afford his surgery, or put him down. Thanks to Trupanion, his surgery was not only covered at 90%, they pre-approved it and he was able to get in without us paying up front and waiting to be reimbursed! He's home, happy and healing, thanks to Trupanion. I recommend you to EVERYONE who has or is thinking about getting a pet! :)
5

out of 5

POSTED: | BY: safrenn

I love trupanion! It's a life saver! 

One Saturday morning my english bulldog, hogie, woke up withsigns of a bladder infection. he was straining to pee and ina  lot of pain. I took him into the vet immediately and theydid a urinalysis which of course would take a day to get    results back from the lab. In the meantime, they put him on antibiotics and pain meds. On Sunday morning things were    worse though! There were blood clots on his blankets and he was dribbling blood out of his little penis!! I rushed hogieinto the ER/Specialty hospital. To make long story short,   hogie ended up having to stay there for 11 days with 24 hourcare. After x-rays, ultrasounds, an exploratory surgery, andmuch more, they discovered he had a VERY rare toxic reactionto antibiotics that he had been on 3 weeks earlier for an   ear infection. It was explained to me that during the       exploratory surgery, the board certified surgeon discovered that hogie's bladder and liver were necrotic. This toxic    reaction to the antibiotics was killing these organs and    that is why he was bleeding internally. Well, if it wasn't  for Trupanion insurance, I would have had to put him down   because I would have in NO way been able to afford all this.When all was said and done, hogie's bill was $12,000!! Afterpaying for the initial examinations at both vet hospitals   and my $500 deductible, Trupanion paid 90% of the bill with no questions asked!! Not one! When I called to figure out   what I needed to do to process the claim, they explained    
5

out of 5

POSTED: | BY: Traci and

Outstanding!

I decided to invest in pet insurance with my new pup after spending a lot of money on my pets in their elder years. I did it solely as a preventative measure for the future, not anticipating I would need to call on it when Dakota was only 1.5 years old. Dakota tore both her ACLs and needed TPLO (knee surgery) for both. The operation for each knee was to be over $3500. My first thought was honestly, "ok, good, I have insurance for her, but I am sure I am going to get screwed somehow with trying to claim both surgeries." The thought based on how difficult it has been with Human insurance, why would pet be any different? Trupanion blew my perception out of the water. Not only did they cover 90% of both surgeries, they made it incredibly easy to make the claim and I received consistent communication from them via email as to where my claim was in the process. And all wrapped up within 2 weeks (including check in hand). Plus, any time I did talk to a representative, they were beyond friendly and helpful. I have been recommending them to friends ever since (plus my vet)... She's a new dog to come (still healing) and set to be healthier than before the surgery. And I am not paying off my credit cards for the next couple years!
5

out of 5

POSTED: | BY: HELEN

great fast service - very satisfied

MY BASSET HOUND IS INSURED WITH TRUPANIONAND WHEN I HAD A CLAIM THEY HAD IT PROCESSED WITHIN 3 DAYS. GREAT SERVICE DEFINITLY WORTH THE $$
5

out of 5

POSTED: | BY: Dodie

Can't imagine being without it!

Jada was flown to Indy from Portland Oregon. She weighed 14lbs, was given a guaranteed bill of health along with a 30 day trial enrollment to Trupanion Insurance. To ensure she arrived in good health from her travels, she was examined by our local veterinarian. She passed her wellness exam in flying colors. With the 30 trial enrollment coming to an end, I needed to make a decision whether to enroll or let the insurance lapse. I had pets all my life and could never justify the need for insurance. Besides Jada was a healthy dog with showmanship breeding. After much struggle, I decided to give the insurance a trial run. Little did I know that in a matter of a week after enrolling Jada in the Trupanion Insurance program that I would be needing it. One Sunday evening, Jada experienced some major nasal respiratory issues and struggled to breathe. This led to a late night emergency veterinary visit which resulted in some major unexpected expenses. A claim was filed with Trupanion and true to their advertisement, a reimbursement was issued. Another incident occurred, when Jada was recently scheduled to be spayed. She had an extreme allergic reaction to the “twilight” drug used to relax animals prior to surgery. This resulted in elevated heart rate and required an animal cardiologist and continual monitoring. Once again a claim was filed with Trupanion and a reimbursement was issued. The good news to this story is that Jada is doing fine now. She weighs in at 49lbs.
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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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