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: Mary

EXCELLENT SERVICE

I rescued a much older dog three months ago. When I picked him up from the rescue, he had no known health issues or pre-existing conditions other than bad joints. That said, within one week of having him, we were at the ER and then vet for a tick borne illness that has taken us months to treat. He also has a weak stomach lining but to get to the bottom of both of those issues, we had numerous vet visits and costs associated with it. Trupanion was offered to me the day I rescued my dog and to be honest, I wasn't sure what to expect of it. I am so grateful they approached me from day one and that I had it when I did. It has saved me a lot financially but a lot more importantly, has put me at ease about finding him the best care. lastly, their customer service is excellent. They always pick up the phone, answer my questions quickly and confidently and they respond back to your claims within one week.
5

out of 5

POSTED: | BY: Sarah G

Trupanion is great!

My dog has a very sensitive stomach and digestive issues. Trupanion has been great. Filing a claim is easy, they are very quick to respond and they are worth the premium. I recommend them to anyone.
5

out of 5

POSTED: | BY: Julie Stone

Couldn't Be Happier with Trupanion

Our lab was diagnosed with a very aggressive cancerous malenoma on his toe which required amputation. In addition, the cancer had spread to the bone so there was a chance that the cancer had an opportunity to spread throughout the rest of his body. We started out by getting the amputation and then a series of x-rays and cancer treatment. Not only was the submission of the insurance claim with Trupanion easy, we were reimbursed in a short time and we even received emails from Trupanion checking in to make sure our dog was doing ok. Every person that I know who has an animal I will be telling to use Trupanion and I am forever greatful to them and how simple they made the process during such a difficult time.
5

out of 5

POSTED: | BY: Trey Jordan

low stress claim process

Having used several other pet insurance carriers of the last 10+ years, I was very pleasantly surprised by the quick and efficient way in which our claims were handled. It took away an aspect of stress that you don't need when you're dealing with a pet's surgery.
5

out of 5

POSTED: | BY: Dave Rizzieri

outstanding

Our puppy had a broken leg. We emailed the 1 completed form and all the vet notes and detailed bill from the hospital. Trupanion contacted our other vet for full chart notes and then in about 10 days the check was already in my hands. Couldn't be easier.
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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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