Trupanion | Pet Insurance Review

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: Renee

Thank goodness for trupanion!

I went out for a few hours and when I came home my dogWas laying in a pile of drool and was so dizzy, swaying back and fourth. My dog is an 8 pound yorkie. I immediately called my vet and took her in. They suspected toxicity from something my dog ate. After xrays they found out it was something stuck in her stomach. An estimate was sent to trupanion who responded within the hour to let me know everything would be covered. They even called me to let me know. My vet bill began increasingly getting larger and larger. It was such a relief to know I had trupanion to help me out!! My bill ended up being 1500 and I left only paying 250.00. I am so thankful for trupanion, you never know if something will happen to your dog and such a relief to know trupanion is there to back you up. I would definitly recommend trupanion!
5

out of 5

POSTED: | BY: Judiann P.

Highly Recommend, Very Satisfied

Our miniature schnauzer developed bladder stones that did not dissolve with medical therapy, so he eventually required surgery. Trupanion covered 90% of all the medical AND surgical treatment, INCLUDING 50% coverage of the expen$ive prescription dog food. They respond quickly to previously approved covered conditions and the reimbursement arrives in a timely manner. It does take a little while initially for them to obtain all your vet records and approve an initial claim (some vet offices are unresponsive), but if you help them out by getting vet record copies yourself and emailing them to the company, they accept them and it greatly expedites the process.
5

out of 5

POSTED: | BY: David

Great service!

Prior to attaining Trupanion, I had another pet insurance company that re-rated all of the cost when i visited the Vet. In the end, I received less than half of my initial claim. The Insurance company Rep said that they take all of the costs from Vets and adjust them according to their own stated prices minus my deductible. I was paying over $100.00 per month for two dogs and I couldn't believe it. I spoke to my Vet and they recommended Trupanion. Several months after switching pet insurance companies, my dog had been dx with diabetes and Trupanion has assisted with the financial burden without re-rating Vet cost. I paid my $100.00 deductible once and they paid 90% without adjusting the Vet cost. Without Trupanion, I am certain that i would not have been able to afford his care for life. Took a week or two for my dog's medical information to be processed, however, now i just take a claim form to my Vet who faxes it to the Trupanion. Within two days, my claim is processed and i am reimbursed right into my checking account. Without Trupanion, I do not know if i would be able to afford my dog's diabetes treatment for life. I am very thankful for their help! Their customer service is also excellent too!
5

out of 5

POSTED: | BY: Alyona

Great experience!

They are very easy to get in contact with, provide great assistance and answer all the questions in a very pleasant and professional manner. They work fast with analyzing the claims and provide timely updates along the way. Overall very happy to be working with them!
5

out of 5

POSTED: | BY: Denis&Anita

Best insurance

Just want to express my happy moment with Trupanion.My dog got bite on Friday I called them they was amazing explain everything about how to claim.My vet fax the claim around 3 pm got email from Trupanion same day 7 pm that they receive my claim then on Monday got another email explaining that it might take up to 15 days because its my first claim,then on Tuesday got email that my claim was processed and they refund my bill %90 as they advertised.I highly recommend Trupanion they are amazing I have one less worry because of them and thank you TRUPANION people for all great service and making our claim less painful.
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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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