5
out of 5
POSTED: | BY: Sandra Morrisohn
Found alternative
I have found pet insurance that is cheaper and covers more. Also, the reviews for Trupanion on various websites are terrible.
4.9
out of 5
Number of reviews 73,935
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: Norma Jeane
Multiple items
I'd be more inclined to recommend Trupanion if it wasn't for a few major (to me) things. First, every time I call, I wait on hold for at least 15 minutes! Second, my dog had debris in her ear when I got her as a puppy and I took her to the vet before my coverage kicked in, next time she had an ear issue, the claim was denied because you say it is a pre existing condition. I find that to be absurd. It's not a continued issue...each episode is a new one and she has only had two, so it's not a chronic issue!! Third, I have a large circle of bully breed friends as I work in the bulldog/boxer rescue world. Have now for 14 years. I had to jump through appeals with my bulldogs doctor to get Trupanion to cover her brachiocephalic surgery! Every single bulldog should have this surgery in order to live a full and healthy life!!! If Trupanion is going to continue to cover brachiocephalic dogs, this surgery should be covered without having to go through what we went through to get it covered. I pay a high price monthly for my pups coverage and I expect to be covered on the things she needs. Something to consider.
5
out of 5
POSTED: | BY: Amanda Odom
Wouldn't recommend
I wouldn't recommend Trupanion because they don't pay for much. I ended up paying more in premiums throughout my dog's life and yet very little was covered in return. I had very expensive vet bills I couldn't afford and my dog didn't get the medical care he needed because I couldn't afford to take him in, even with Pet insurance. It wasn't worth it for me.
2
out of 5
POSTED: | BY: Cristina Johnston
Conditions
Trupanion is not really interested in my pets. Despite calls explaining why Trupanion should not consider my pet's subluxation as pre-existing, ( 2 different vet's opinion negating that as well as the third vet's opinion who sort of changed her mind that her patella has to be re-examined when she is older, Trupanion was not willing to accept that. In addition, Luna's current problem that I saw , subluxation of her left rear patella laterally, 37 months after her policy became effective would not be covered but Trupanion wants to accept the opinion of the t who claimed she has subluxation of the right rear patella. Despite the fact that this is a different extremity that showed signs and symptoms of subluxation , Trupanion will not cover this extremity calling subluxation is usually bilateral. It is usually bilateral but seen in 45% of small breed. That, is why I withdraw my coverage with Trupanion..
5
out of 5
POSTED: | BY: Barbara Lahullier
The claims process was very easy to navigate
The claims process was very easy to navigate and my claim was process and paid within 2 weeks.
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 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