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: A. and

Removed cost from the decision making process.

Our cat was diagnosed with an aggressive form of lymphoma that is best treated with an aggressive, and expensive, multi-drug protocol. Not all cats have the personality to tolerate weekly visits to the veterinarian, thankfully our cat was very social with just about anyone. Quality of life was our utmost concern--NOT THE COST! Diagnostic tests and weekly visits quickly can add up to thousands of dollars. We cannot thank Trupanion enough for their quick claim settlements, friendly staff, and generous coverage (90%-much higher than most others.) Thanks to Trupanion, his cancer treatment was not based on whether or not we could afford it. We are telling everyone we know with pets how thankful we are for our Trupanion policy.
5

out of 5

POSTED: | BY: thy

still don't understand why

Don't understand why some of the services not cover. Like office visit, without it how the doctor exam reily and perform proper diagnose ? then treat his injury ? I thought when Reily's bill come all I have to do is pay the the deductible ($500). Worry free, isn't why I want to get pet insurance.
5

out of 5

POSTED: | BY: Christine Green

Best insurance plan I ever had!

Our 3 year old Greater Swiss Mountain Dog got hit by a car. She needed to be hospitalized. She spent 3 days in the hospital with an IV, multiple X-rays, oxygen therapy and pain management. The bill was $2500.00. We got reimbursed $2400. Yes, you do have to pay upfront for an emergency, but scheduled procedures can be pre certified, so you don't have to pay upfront. If you love you child (pet), you should seriously consider obtaining this insurance.
5

out of 5

POSTED: | BY: Michelle Laviolette

Trupanion is wonderful!

I thought my 2 year old pup had parasites. Turns out her pancreas stopped producing enough enzymes to digest her food. Diagnosis was a process of elimination and lots of tests. I have nothing but good things to say about the claim process - I submitted my many receipts on Saturday by email, and Monday morning I received a confirmation email that the claims were open. By the end of day Monday my claims were processed! The service is super fast, the staff are cheerful and make you feel like they are there to help. Best thing I ever did was go with Trupanion.
5

out of 5

POSTED: | BY: Lori

Free month trial

I place 4 claims during my free trial in which I received my payments for very quickly. Once I submitted my claim I received an email stating that they received my claim and then received email letting me know the claims had been processed and payment was on it's way.

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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