Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 64,967

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: Dianne

GREAT COVERAGE @ 90%

Great reimbursement for my dog's torn ACL. It doesn't get any better than 90% reimbursement!! Professional,fast,caring service. They have years of experience in this field and it shows! THANK YOU TRUPANION!!!!!!!!!!!!!!!!
5

out of 5

POSTED: | BY: dawn prince

Trupanion gives me relief and comfort

I had did research on pet insurance and found trupanion was the best and its on consumer reports as well. I was weary at first but when Jack hurt his leg we had to take him to dr. browns jacks vet. She did xrays and found (thank god) he just injured his leg and not his hip. She put him on medication. We sent our claim to trupanion and they paid over 2,000 dollars of it minus his deductible and they paid for all his meds till this day. Thats when I knew that trupanion was there for us. When I really realized that trupanion was there for us was on September 2nd, 2011. Jack went to dr. browns to get his nails cut. We had told her he was acting a little strange so she checked him out and within a few hours he was going down hill all of sudden he barely could walk. I was so scared thats when she told us to get him to deerfield hospital asap and she called ahead. I knew that driving to the hospital I didnt have to worry about the money. Just getting jack there and taking care of him. We got there they got us in right away and found out the bad news Jack had cancer was diagnosised with Lymphosarcoma. He had to stay in the hospital for 48 hours. I cryed all weekend not knowing what was going on. But I knew through the tears Trupanion was there so my tears were for my jackyboo and not financial. We sent in the claim for the hospital and within a week they paid over 2,000 dollars I mean come on when a pet insurance company doesnt make you wait and
1

out of 5

POSTED: | BY: amy

Liars!

I would NEVER recommend this insurance company to any pet owner. In the time we had this insurance we submitted two claims and with both claims they gave us any extremely difficult time and paid out nothing. We piad over $58 a month for our precious pug to help with vet bills when they arose and it was a complete waste of money. Although when you initially sign up they promise you the world. None of it is true and I wish we never wasted our money on pet insurance because we were far better off paying out of pocket. Every claim we submitted from a tumor to a rash they found a way to deny the claim and it took months of phone calls, emails and vet letters trying to clarify and still no payout. This companhy is a huge rip off....
5

out of 5

POSTED: | BY: Leslie

Pet Insurance Recommended

This is my first claim submitted to Trupanion and I'm very pleased with the result. Submitting the claim was easy and within 10 days I received an email stating the claim had been processed with a detailed breakdown of the payment to be processed.
1

out of 5

POSTED: | BY: Ed Spirer

Always Found Ways to Avoid Paying Claims

I filed several claims with Trupanion. 1st was emergency for diarrhea and vomiting. They didn't pay because fecal test was negative for giadia and giardia was mentioned as possible cause($410.00). 2nd was for a few blood tests and Vet. visit to rule out hypothyroidism ($327.00). Again, they paid nothing. 3rd was for retained deciduous teeth which they said was covered prior to the Vet. visit and surgery ($1300.00). After I sent in the claim, they said it wouldn't be covered because it was a pre-existing condition even though I got the puppy at 10 weeks old with all the baby teeth in their proper positions. After calling Trupanion to discuss these problems, all I received was a rehash of the reasons why they would not pay any of the claims. They only thing that was done correctly was the refund for a partial month's payment after cancelling the policy and switching to Purina Care. I have had absolutely no problems with Purina Care.
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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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