5
out of 5
POSTED: | BY: Peter
Cranial cruciate ligament tear
overall very thorough and no problems with the claim
4.9
out of 5
Number of reviews 68,786
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: Donna Yelusich
Trupanion, THANK YOU
I will be more than happy to write up this review giving a "10+" rating to Trupanion Pet Insurance and their caring and prompt service. Our family adopted our American Pit Bull Terrier, Ke'ala from a high-kill shelter in Southern California last August, 2013. She was 14 weeks old and just fit into our family very well. She came to us with numerous "Cooties" from the shelter such as worms and other intestinal maladies, but with the great care from our fantastic vets at Rolling Hills Animal Hospital in San Pedro, CA, she grew up into a beautiful animal. She turned 1 on 6/8/14, and a week later, things took a strange turn. She started limping, and when we took her to our vet, she was x-rayed and diagnosed with severe hip dysplasia. The x-rays also revealed a wedging of her spinal bones which was very concerning to our vet. Within 24 hours, Ke'ala was lame (she could not walk more than 3 steps without collapsing) with signs of neurological symptoms of lack of sensation /pain response in her back legs. We took her to a speciality hospital which evaluated her right away. They were great. But TRUPANION was just awesome. Their critical "pre-authorization" process got her the care she needed right away along with the security that we would not have to worry with covering this payment. Not only did they cover her neuro work-up, but again due to the critical pre-authorization process, they covered her 1st of 4 proposed surgeries that allow her to walk again. TRUPANION IS A GOD S
5
out of 5
POSTED: | BY: Debbie Joubert
Awesome !
I have two of my dogs insured with Trupanion and have been very happy ! Jesse came to us as a pup, she was spayed at approximately 6 months old. Did you know that 1 out of 250 dogs will develop incontinence after being spayed or neutered ? I didn't !!! Well my poor Jesse was that one. Trupanion was there for us ! No questions asked ! Every couple of months I get her meds (that she has to take twice a day) I submit the receipt and its reimbursed ! Trupanion is awesome ! Reimbursements are quick, response time on my submission is super fast and their customer service is top notch ! This is one decision I made that I am very thankful for ! Thank you Trupanion !
5
out of 5
POSTED: | BY: Judy /
100% Satisfaction!
Our cat became ill in undet a year's time of having Trupanion Insurance. They couldn't have made it easier for us. The vet submitted the invoices, we received confirmation of same and then a followup within a day or so informing us of the alloted coverage. Then the check followed shortly in the mail. Our cat is doing great and we have not been financially devastated. We highly recommend Trupanion! It has been well worth it!
5
out of 5
POSTED: | BY: Kelli
Brand new customer and I'm already impressed
I just signed my dog up yesterday for Trupanion and I am already extremely impressed with their customer service. I had a few questions about changing my policy, hopped onto the online chat and Cory was able to help me out with all of my questions. He was able to answer everything, double checked the fine print for me, and was very friendly and personable. It's only day 2 of my policy and I'm already very pleased with the customer service I have received.
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