Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 69,402

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 michalik

Best money every spent!

I gotta admit that at first i was ready to pull the plug on this pet insurance thing. My monthly rates were increasing every year (went up almost $15/month just last year!) i was frustrated and after never having submitted a claim for my 7 1/2 yr old dog i was starting to feel that the money could be better used elsewhere. Thankfully i didnt! My dogs vet bills started adding up and i finally submitted my first 2 claims and had NO difficulty getting reimbursed for my expense. The turn around was unbelieveably fast! I had my first cheque in about a week or a little more! Since I've already paid my deductible for these particular illnesses (which was steep in order to afford the monthly payments!) i can now freely submit claims for additional expenses for these 2 illnesses and be reimbursed 90%. This is a huge relief and piece of mind knowing i will never be put in the position of having to say "its time to let him go because i just simply cannot afford this anymore". Thats gotta be the worst feeling ever! But reality IS that many ppl face this issue every day. I would never want finances be the determining factor as to whether my pet lives.. Or dies. I am now a HUGE advocacy for pet insurance.. I talk to everyone about it! I will NEVER own a pet without it ever again! Also wanted to add that the reps and agents are incredibly helpful (Shelley..you know who you are)..friendly..and not pushy at all
5

out of 5

POSTED: | BY: Cathy

Best insurance ever

We rescued our Stella and signed her up with Trupanion the day she arrived here. She arrived with a clean bill of health and was taken to our regular vet to make sure all was ok. And it was. At 6 months old she went to be spayed and a pre-surgical work up detected a heart issue had developed. So as it goes she visits a cardio specialist every 6 months and is on a daily medication. Trupanion covers 90% of all her bi-annual testing and medications. I submit my claim and within 3 days the reimbursement is deposited directly to my bank account. They are the best and I recommend Trupanion pet insurance to all of my friends and family. Will never be without them. And Stella is happy and healthy and with their help we can keep her that way!!!
5

out of 5

POSTED: | BY: Kelly

This Company is AMAZING!

I adopted 2 (3.5 months old) german shepherd mix puppies online...littermates. I did some research, had bad experiences with other companies, and picked TRUPANION as my pet's insurance. BEST DECISION I EVER MADE! They are wonderful. One of the pups had hip dysplasia in both hips. He had to have BOTH hips done,replacement hip surgery. The other pup swallowed a rock and needed emergency surgery. After this he developed epilepsy. Trupanion covered all of it. They are professional and caring. Very easy and pleasant to work with. I HAVE NEVER SEEN A COMPANY PROCESS A CLAIM/PAYMENT SO FAST! I love Trupanion. They rescued my puppies too. Thank you Trupanion...I am ever so grateful!
5

out of 5

POSTED: | BY: Ed Korb

Excellent service

I would highly recommend Trupanion.We have had a very positive experience. Claims are processed and paid really fast, usually within a week or less
5

out of 5

POSTED: | BY: Mary Grace

One word - Fantastic!

Hello, we have a f our year old black and white male, who on June 21st of this year had his first seizure. He had 4 seizures in total and with the combined help of our vet and VEC, he is doing much better. Every time we called Trupanion, we had a short wait time and then friendly, compassionate Customer Service Reps, which made it alot easier for us. Winston is doing better and on meds, which Trupanion pays 90% promptly. We are grateful for pet insurance and we would highly recommend Trupanion to anyone who asks!! I have been a Customer Service Rep for 22 years and know how difficult the job is, especially when you are dealing with emotional people. We were always treated with kindness and respect. Kudos to 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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