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: Gale L.

Trupanion Health Insurance

We adopted a 14 month old German Shepard 2 years ago. Our trainer recommended Trupanion insurance because she has three dogs and said it was the best by far that she had found. I took him to our vet for a complete health checkup and he was given clean bill of health. I signed him up with Trupanion and did not think too much about it. Six months ago he was diagnosed with severe hip displaysia and the vet recommended total hip replacement surgery on both hips. I submitted a claim to Trupanion for everything, xrays, meds etc., along with a pre-authorization request for the surgery. Trupanion approved the surgery, and per our policy the only thing they did not cover at that point was the office checkup. The surgeon wanted to wait and see how long we could manage the problem with diet, meds and supplements before he had to have surgery. Since surgery authorizations are for 90 days, I contacted Trupanion and they assured me that Titan would be covered whenever the vet determined necessary. I would recommend this pet insurance to anyone who loves their pet. Under the terms laid out in the level of insurance I have purchased, the Trupanion staff have been great to work with and have always held true to the promises made. I purchase this insurance mainly as a safeguard against a devastating illness or accident and my experience with this company has been that it's well worth the cost of the premiums for the peace of mind those premiums provide. Keep up the great work, a
5

out of 5

POSTED: | BY: Michael

Very Easy

easy process, just submitted the claim and got an answer a few days later.
5

out of 5

POSTED: | BY: Allison

Thankful we had Trupanion!

My husband and I decided to get pet insurance for both of our Yorkshire Terriers, 9 years and 3 years old, about 6 months ago just to have as a back-up, especially with one dog being almost 10 years old. I did extensive searches on pet insurance and wanted to make sure I chose the best plan where breed-specific illnesses and injuries were covered, as well as the best competitive price. I also asked around family and friends to see what insurance they recommended and compared pricing. I chose Trupanion because I felt the coverage was the best for what we wanted to spend; they also had broad coverage no matter what the age of our dogs and were happy to answer all of my questions over the phone before registering. About a month ago, we could not believe it when our oldest Yorkie, Harley, was admitted to the emergency vet hospital a week before his 10th birthday and diagnosed with severe acute necrotizing pancreatitis. Yes, it is as bad as it sounds. He’s an extremely healthy dog and this came out of nowhere. We were able to transfer him from one emergency place to the best one in the area with the best care for such a severe case, including ultra sound, countless antibiotics and pain meds, and plasma treatments. We couldn’t believe that he could potentially be in the hospital overnight for up to a week or more and we knew the vet bills would start to pile up quickly. The first 4 days or so were touch and go for my poor baby and it was the worst week of waiting. However
5

out of 5

POSTED: | BY: Lucia Capano

Excellent Service

I had to submit multiple claims for my cat over a period of a month, and since it was my first claim I called a couple times in order to make sure I was submitting the correct form, with the correct info, etc. Each time I called I was on hold for less than a minute, and the customer service rep was friendly, knowledgeable, and overall just nice. I never felt as though my claim would be denied. What they say they'll cover they cover. A simple, hassle free process for submitting a claim for my pet. Thanks Trupanion.
5

out of 5

POSTED: | BY: Cassandra Ivankovic

Excellent company, very caring

My dog got very sick and we were facing quite severe vet bills, and upon realizing we couldn't afford it on our own, we call up trupanion and they said they would pay for it all upfront, saving our wallets and our dog's life. Thank you to everyone who insisted to getting pet insurance and to trupanion for being an excellent company with excellent and responsive customer service!!

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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