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: James Martin

Fan Mail for an Insurance Company?

I can't believe I would ever be raving about an insurance company. When my beloved 24-year-old cat (yes, 24!) Sydney was diagnosed with a malignant breast tumor, I was devastated. There were numerous diagnostic tests and a rush into surgery. The bills mounted up. Trupanion was right there by my side through the whole process. They made filing a claim unbelievably easy and, at this incredibly difficult time, they thankfully did almost all the work themselves. E-mail exchanges were easy and encouraging and payment was immediate. My only gripe with this company is that I cannot rate them higher than a 10. (BTW, Sydney had a great surgery, tumor encapsulated with no spread, back at home, happy as ever.)
5

out of 5

POSTED: | BY: Florence E

The Real Deal

Billie is doing quite well...fortunately, it was just a sprain. We submitted our claim form and was contacted, a few days later, by Trupanion that they had received the form and were reviewing it. Then, a few days went by, and we were once again contacted by Trupanion that they were ready to issue a check for the correct amount, after our deductible. It's wonderful knowing that a real company is there to honor it's commitment to it clients.
5

out of 5

POSTED: | BY: Eden Belle

Exactly what was needed

I got on with Trupanion 3 months before my dog became chronically ill. He passed 3 months after that, but initially we had no idea how long he would be with us. I am so glad that this sad valley could be a little less deep. Trupanion pet insurance was a large hand of help. Instead of worrying about how I would pay for everything and letting it eat away at what little time I had left with my beloved pet, I could just simply spend uncomplicated time with my precious sweet baby, Cloud. The only blip was early on, it took a little while to get "medical records" accepted before the first reimbursement came through:almost two weeks. But ever since, no issues. I've been getting a 7-9 day turn around on reimbursement from submission of the claim to the check in my hand, which is perfectly easy to float on a credit card with no interest charges. I've never had any other pet insurance, but I'm very please with them and will remain with them for my remaining dog. And any future pets I may have.
2

out of 5

POSTED: | BY: Constance Frownfelter

disappointed

I took my dog to the vet for pain and sick, it was found that he had crystals in his bladder. Trupanion decided to not pay part of the claim because they thought my dog had pancreatitis which he did not we had them on food to make sure he didn't get a reoccurrence of it but they picked that out just to be able to discount part of the claim. I have my debt writing them another letter claiming the dog has not had pancreatitis since January 2013. We were just being extra careful with the food to make sure we didn't cause it to come back. My bed put my dog on a completely other food because of the crystals in his bladder. I had a lot of extra work for me with calling the insurance company and calling my vet and bothering my vet to try and get this straightened out very disappointing
5

out of 5

POSTED: | BY: Michael

The best!!!!

My Great Dane was diagnosed with a heart condition, that will unfortunately take his life...... He's on meds that are very expensive every month. The vet and emergency room bills are crazy expensive. Trupanion has paid literally 90% of everything. I could not have afforded to keep my dog alive throughout this without Trupanion. Don't look anywhere else. The reimbursement and pre approval of needed are very fast! You will not be disappointed with this company.
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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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