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: Shawna

Fantastic

I recently signed up for pet insurance with Trupanion. What a difference from my previous plan I had. My dog was ill less than 2 weeks ago and a few days ago I was informed my claim had been processed and that they were placing a cheque in the mail. Wow what service. I previously had a different plan, however, each year they reassessed and increased the premium and lowered percentage covered claiming it was for a cost of inflation in the area I lived as well as based on usage in the prior year. If my dog had claims the previous year you could bet the percentage and premium would change......not fair. So glad I have switched to trupanion. I have choosen the top end plan but I truly know my pet and I are protected if he gets ill. In addition, trupanion sends you emails along the way about how your claim is progressing so you know they are working hard for you. It would usually take 6 weeks to get a check back from my previous pet insurance company and it was always for a stinking small amount.
5

out of 5

POSTED: | BY: Michael Kinney

Pleasantly surprised by quick claims service

I had pet health insurance many years ago and was very unhappy with their handling of a claim. I felt they were very happy to collect their premiums but disinclined to pay for any claims. Trupanion has changed my attitude completely.
5

out of 5

POSTED: | BY: Valerie

The Best!

The experience with Trupanion has been wonderful. Since the day I signed up a year ago, to filing a claim recently and adding another kitty, every time I've called I speak to someone who really cares. The coverage was so easy to set up. The choice and amount of deductable/ or no deductable. I was so pleased with the quickness of re-embursment...90%! Quicker and easier than other kind of insurance issues. I am so thrilled with Trupanion. Anyone with cats or dogs they love should enroll their animals. I advise everyone. Just yesterday when I had car work done, the cashier got one of my speeches.She has English Bull Dogs. I wrote "Trupanion" on the paperwork for my $1000.00 charges. I want everyone to know how Terrific Trupanion is. Thank You! I wish I lived where you folks are located. I'd bring flowers!
5

out of 5

POSTED: | BY: Chenney

Always Surpasses Expectations

The customer service people are friendly and genuinely concerned about your pet's well-being. Also, they are informative and helpful. Our vet was great about sending the form through and Trupanion was quick to reimburse us the costs.
5

out of 5

POSTED: | BY: Misty Mae's

Quick and easy

Recently my dog ate an Advil Liquid Gel pill and I had to take her to the Emergency Vet late at night. I submitted my claim and had a check in 1 week. Had subsequent vet bills and all were processed with no delays or issues.

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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