Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 76,971

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: Carla

There is no better value or customer experience than Trupanion

My dog Buckaroo was born missing a front limb, her back limbs have patella luxation. When it was time for surgery on one of back limbs Trupanion was AMAZING. The approved and paid the claim within days of submission. Buckaroo also ingested some acorns, that required a trip to the emergency room, some test and medication, once again Trupanion approved and paid the claim that same week. I knew I was adopting a special needs pet, and feared that even though I had her insured, I would end up with some costly medical bills for her, choosing Trupanion has been one of the best decisions I made to keep my girl happy and healthy.
1

out of 5

POSTED: | BY: joe

they are officially bad

This company will probably not be the one that you are looking for. I have had the insurance for my dog since 2016. They have raised the rate three times and changed the policy detail regarding deductible and refused my claim ( hematoma and prescription for the yeast was not associated, but they keep saying that it is relevant). I have felt okay even if they have done those, but today I am very disappointed and regretful that I have spent 1,500 dollars for the past two years. I have recently moved out of the States. Trupanion insurance has no coverage in this country. I have left a message in order to cancel on the day that I have arrived, but nothing happened and I was charged my monthly bill. I've waited for a week, but nothing changes. So, I have made an international call to cancel and ask for the full refund because I have left a message. However, they kept asking me to provide the evidence for the full refund. Since my policy resets every third of the month, the prorated refund may be $53 and the full refund is $69. Seriously? The call costs me $15 for 15min. Why should I prepare for the evidence for the message? If the company do not have any tool to sort out the message that customers may leave via the website, it is useless and meaningless. you guys are wasting my time and money.
1

out of 5

POSTED: | BY: Anthony

Constant Rate Increases, Now They're Trying for a 25% INCREASE!

You guys are a bunch of thieves. We've had this policy for so long, with zero claims, now you want to raise the price by 25% or more? My pay didn't go up by 25%. Why should yours? 25% is an amount that indicates either your company hasn't planned properly OR someone has just gotten greedy. Shows ZERO ethics and values at that company. Your promises over time have been lies and you are literally a bunch of thieving criminals, constantly raising rates while literally providing ZERO service. We've never seen a penny of the money we've put into insuring our two dogs, and now you want even more money. 25% MORE??? Really? How does a company in business so long have a need to raise rates by 25%? I bet if we actually ever had a claim, getting it paid would be hell too. Criminals. Greedy criminals are running that company. They know people have been paying them for years, and now they're making moves to screw over long term customers and treating us all like money cows to be milked. If there are any attorneys out there that would like to file suit against this company, please contact me. Absolutely ridiculous, unfair, unethical practices. As a reply to Trupanion's response --- over the 7+ years I've had Trupanion I have NEVER seen a rate decrease, and I've NEVER made any claims. Just paid, and paid, and paid. Also I contacted them directly before posting this review and so they had the opportunity to address me directly. The fact that any company would try for a 25% rate increase speaks to their internal values and ethics as well as their corporate culture. It is the culture of thieves. Additionally, I've had my second dog covered by your company ONLY since 5/26/17, and now ALREADY on 10/10/18 our policy is going up 11%. That is INSANE.
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5

out of 5

POSTED: | BY: Suzanne Smith

Customer service has been good

Customer service has been good, helpful, understanding when I've needed phone help for claims, payment info... claims are handled and paid fast 95% of the time.
5

out of 5

POSTED: | BY: Anastasia Hale

doesn't cover wellness exam

I didn't realize that trupanion doesn't cover wellness exams so my bill was larger than I expected. However, because my cat has a heart problem, I'm staying with trupanion because I know it will be worthwhile down the line. Now, I know I need to save up throughout the year for her annual wellness exam.
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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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