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: Kelly

Love trupanion!

Trupanion is worth every penny. I am a vet tech/veterinary student after seeing how well Trupanion treated our clients, I decided to sign up as well. I have 6 animals, so I pay a lot per month in order to insure everyone, but it is worth it. 90% coverage for accidents and illnesses. Since I signed up this year, I have already received $1500 in reimbursement from Trupanion and it would be twice this but I am fortunate enough to get a 50% student discount at my schools vet hospital. This reimbursement well exceeds the amount I pay per year in premiums for all 6 of my animals. My first claim was for my dog's pancreatitis. My second was for my cat's ear polyp. At first trupanion rejected the ear polyp claim because they thought it was pre-existing since my cat had had an ear infection in that ear previously. However, they encouraged me to appeal to claim by having my veterinarian write an appeal letter. They were very fair about this appeal process and actually overturned their previous decision and covered the surgery! The appeal process did take about a month and a half, however normal claims go through within 1 week. Can't say good enough things about this company.... A must for every pet owner - you never want to have finances get in the way of treating your pet during an accident or illness, and trupanion is the best way to avoid this and provide the BEST care for your beloved pets!
5

out of 5

POSTED: | BY: Dominique Milbank

Incredible speed and efficiency. The best.

After a seizure I took my dog to The Animal Hospital in New York. After several tests they discovered that she had pancreatic cancer and the tumor could be removed. Trupanion was fantastic. It took a little longer(10 days) for them to pay me back because it was the first time I made any claim and they needed information from her vet. But I have never seen such efficiency and speed to send me a check. I was amazed and so impressed.I highly re command them.
5

out of 5

POSTED: | BY: Sam

Trupanion is GREAT!

My almost 6 year old amstaff mix had a dying tooth (pulpitis). Extraction was possible but a root canal was recommended because it was a large canine tooth. That meant $2500+ all told. Trupanion rushed to get vet records from two hospitals and pre-approved the claim between a friday pre-surgery exam when I first got the estimate, and the root canal the next wednesday. Trupanion covered everything except a $24 acupuncture needle (I declined a rider that covered acupuncture and other extra treatments) and sent out a check for nearly $1800 the day after I submitted the final invoice (I chose a $500 deductible with 90% coverage to keep premiums down). I was already stressed about my girl having general anesthesia and a surgical procedure, but Trupanion took away all the stress about money. They were helpful, caring, responsive, and informative and I'm so glad I was insured with them! And a bonus - Trupanion's deductible is lifetime per-condition, not annual or per-visit, so now that I've met the deductible they will cover 90% of her followup visits related to this condition and surgery! They let me give her the best, vet-recommended care without worrying about whether I can afford it. I can't recommend Trupanion highly enough after this experience, especially compared to stories I've heard about other pet insurance.
5

out of 5

POSTED: | BY: Barbara Hennessey

Outstanding

Easy to understand and dealt with directly from the vet's office. Nice follow up explanations and accounts from Trupanion via email.
5

out of 5

POSTED: | BY: Monica Quinn

Best Insurance Ever!

I've had Trupanion for a few years now and couldn't be happier with their service. It's easy to submit a claim, their representatives are knowledgeable and they process claims incredibly quickly. I submitted my last claim on a Wednesday and received an email days later authorizing payment and a check early the following week. I wouldn't hesitate to recommend their service to any pet owner!
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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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