Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 69,198

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: Conny &

Awesome Service

This was the first time we had to put in a claim with Trupanion and the service was excellent. The team at Trupanion is super, very compassionate and very professional. Because having your " baby" injured us already very stressful it was awesome to have Trupanion on our side!!
5

out of 5

POSTED: | BY: Carl V

Outstanding

Professional and caring. QUICK action on claim and good customer service Department
5

out of 5

POSTED: | BY: Laura de

Trupanion is Awesome!

When our 9 month old Rhodesian Ridgeback broke his femur our primary concern was getting him the best care possible, a secondary, but also very serious, concern was how we were going to pay for the surgeries & check ups & medications. We managed, and with help from Trupanion we have been able to get Kazi top notch veterinary care and now, two surgeries later, Kazi is on the mend. We never could have afforded it without TruPanion backing us up and paying claims quickly.
5

out of 5

POSTED: | BY: Phil and

Over 5-Years of Insurance Experience

Over five years ago, as we watched Allie, our very energetic boxer puppy regularly running through our two story house as if stung by a bee and looking at us as if to say catch me if you can we realized we would have our hands full. During a few of those runs, she would have puppy- crashes, where she could not yet control her footing and run full bore into our walls and sliding glass doors; then one day we watched in horror as she leaped over our sofa and into our glass door; we waited expecting she would go through the glass and that we would be whisking her off to the vet. Though she did not go through the glass, the thought of that made us realize she (we) needed medical insurance. After extensive research, we chose Trupanion and have been grateful ever sense. Luckily, Allie matured to become a 100-lb gentle lady and over the years we've had Allie she never broke through any windows nor had any serious accidents. However, she has been subject to the normal doggie ailments and we have submitted Trupanion insurance claims which have not only been paid promptly, but also with great correspondence, such as prompt notification that claim was received, then a quick notification of the results of the review and the amount we can expect as part of the claim. Within a very short while, the Trupanion check arrives in the mail. We have not had any experience with other companies, but from our over five years of experience with Trupanion, we would strongly recommend covering your pet with this insurance company. Most recently for a skin problem, the claim was processed within a week and the check in our mailbox within 10-days.
5

out of 5

POSTED: | BY: Dr. Deborah

A life saver!

The caring attitude towards my puppy and her health problem, the speed of both communication and claim resolution and follow up to see how she was getting on made dealing with Trupanion a very comforting experience at a difficult time.
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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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