Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 68,992

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: Rachel Thur

Amazing Insurance

Once again, trupanion has helped me with regular medication refills for my dog's permanant condition, and I am reimbursed 90% in less than a week directly in to my checking account. I continue to be amazed by Trupanion's coverage and don't know how I would take care of my fur- child without it!
5

out of 5

POSTED: | BY: Carolyn

Wonderful

They were quick and efficient in getting my money back to me after my dog's emergency intussusception surgery.
5

out of 5

POSTED: | BY: Grace S.

The best insurance company out there

I can’t say enough good things about this company. I started researching insurance companies almost ten months ago. My dog was five years old and I wasn’t in a hurry because my previous dog had no medical issues, except for gum disease, until she was 16 years old. However, I then started to think about the fact that I spent tens of thousands of dollars on that dog in the nine months during which she was treated for heart and kidney disease. I did very thorough research. I called numerous insurance companies. I asked my doctor for his opinion. I also asked other pet owners. The company that kept coming up was Trupanion. In September 2014, I decided to sign up with them. AT the end of October, my dog seemed to be sick and I decided to bring her to the veterinarian. He ran tests which cost hundreds of dollars, and when they all came back normal, I was relieved. I submitted a claim to Trupanion and it was processed the same day. I go to an expensive vet so when I did not get paid for his office visit, I was still completely thrilled with Trupanion because they paid exactly what they said they would and they processed my claim within a day and without hassle. I also chose a low deductible which I highly recommend. Subsequently, my dog continued to show signs of a gastrointestinal disorder. Over a period of months, my doctor ran blood tests, performed an endoscopy and an ultrasound. These tests, and the required medications, cost thousands of dollars. Trupanion paid 90 % of all of this. Not only that but they paid them within two days! Very shortly after a diagnosis was determined for my dog’s gastrointestinal symptoms, she started to exhibit signs of back pain. My vet did an MRI and took x-rays which totaled over $2600. I submitted this claim on Sunday night. Less than 48 hours hours, I received an email saying that they had processed my claim. All of this has occurred within five months and Trupanion has been there each step of the way. Need I say more? Thanks Trupanion!
5

out of 5

POSTED: | BY: madeline martinez

Great insurance and customer service

I have been with Trupanion for about 3 years and I have never had a problem with getting reimbursed- which is pretty quick turn-around- about a week or so. Their rates occasionally do go up but my experience has been that they add additional coverage. They cover congenital diseases which alone is worth it.
5

out of 5

POSTED: | BY: Gina Vincent

Luxating Patella Surgery Insurance Coverage

My eight year-old English Toy Spaniel was diagnosed with a luxating patella that needed immediate surgery. Postponing surgery would have meant that he would have torn an ACL and been in more pain. Trupanion quickly reviewed the diagnosis and pre-authorizations from the veterinarian, and provided coverage for his condition. Without Trupanion's coverge, Muggy's (my Spaniel)quality of life would have gone downhill fast, and he would have been on constant pain medicines to control pain rather than fix his little knee. I am so grateful and so glad that Trupanion cares about their patients and their owners. They are prompt, professional, and try very hard to cover the medical conditions affecting their furry clients. I wish my human insurance was as good!
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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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