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: Pat Braham

Very thankful to have the insurance coverage

Our puppy came down with a very serious and life threatening illness, liver disease. If we didn't have the insurance coverage, we'd have been out-of-pocket thousands of dollars over her lifetime. We are now able to care for her properly by having the pet insurance. I wouldn't hesitate to buy coverage in the future for any pet.
5

out of 5

POSTED: | BY: Sharon

Great Insurance

I submitted my first claim with Trupanion. It was really easy. I found out they approved my claim within days and received my check within a couple of weeks of filing! I was very pleasantly surprised!
5

out of 5

POSTED: | BY: Patty Peckham

Very efficient.

Ebony has been diagnosed with adenocarcinoma. She had a growth removed from her an us for palliation. Trupanion handled my claim with only a few questions for my vet as we had initially been treating the growth conservatively. They made a difficult experience easier as I was reimbursed for 90% of the total cost.
5

out of 5

POSTED: | BY: Sandy Varley

Thanks For Caring TRUPANION

I have had dogs and cats all my life, but never had ins. coverage for them. When I got RUFUS at 6 weeks old my Terrier puppy was a Terror. My vet introduced me to the Trupanion Pet Insurance. I had a gut feeling that I was going to need insurance for this little guy and I purchased Trupanion Ins. At a very reasonable payment per month. At first I begrudged spending that money monthly. BUT!! I will promise you that it IS the best 68.50 I have ever spent. Within 3 months RUFUS had a tooth pulled and Trupanion coverage 90% of a 700.00 dollar bill..It has been ongoing medical problems for my little friend. He has had ongoing ear problems for 10 months now PLUS with blood tests done, we have also dicovered that Little RUFUS has alergies. (grass) being the number one and highest level.....RUFUS now. has to have allergy injections for (possibly) the rest of his life. Again, TRUPANION PET INSURANCE, has been a God Send for me and my little RUFUS. Rufus is 1.5 years old and without this insurance. I hate to think what the financial outcome could have been. Trupanian Staff are absolutely Professional, Caring. as well as kind. I am Great full for Trupanion and Blessed that they have been there for RUFUS and me. I would have been THOUSANDS of dollars in debt. had I not been introduced to TRUPANION....I recommend them to anyone who loves their pets. My Brother in-law and friends seen what Trupanion was all about and now have Trupanion Ins. for their pets. I can't say enough except THANK YOU Trupanion and Staff....Your Awesome !!
5

out of 5

POSTED: | BY: Katherine

Letting us worry about her recovery rather than co

Jasmine quickly answered my pre-approval request and worked with me to quickly resolve our claim once the vets submitted it. Dealing with surgery for a young, active dog is hard enough. I cannot imagine doing it without Trupanion's support--having to worry about coming up with $5,000 to cover the surgery cost. I know they will continue to support us through Juno's rehabilitation. So grateful I chose Trupanion and I recommend them to everyone.

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

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