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: lauryn

thanK u ThanK U Trupanion!!!

I have had Trupanion for several years now. the love and center of my whole life is my precious 8 yr old boxer! he was just diagnosed a few weeks ago with hip dysplasia. heartbroken we began to look for options anyway we could help him have the best life that he has left. Trupanion has been there for me through this ordeal as has been as kind, patience, and helpful as always! there preapproval service has made surgery possible for my sweet boy! I am eternally grateful to the Trupanion team! Trupanion has made this very sad situation the best it can be! Trupanion is keeping my family whole! thank U from the bottom of my heart! everyone should have Trupanion! I am truly a customer for life!
5

out of 5

POSTED: | BY: Taleed

Excellent Cancer Coverage!

Before we were with Trupanion, we had Pets Best. We decided to switch insurance because Pets Best had a lifetime limit for each incident of $2,500. Good thing we switched to Trupanion because two months later our 14 year old dog was diagnosed with Cancer. Initially there was some confusion as to whether or not the condition was a pre-existing condition but after our vet sent a letter, Trupanion covered 90% of our dog's $6,500 cancer bill (after a $200 deductible). And, if the cancer recurs, they will pay for her treatment again! We were very blessed to find Trupanion.
5

out of 5

POSTED: | BY: Rachel Atlas

It's great to have back-up

Trupanion was with me through Ziggy's emergency. I wasn't worried about cost of treatment because I knew I'd be reimbursed. I could just focus on my dog, the vets, and what had to be done next. In the end, Trupanion paid out 2/3s of the emergency costs. I was delighted. Ziggy is thriving again.
5

out of 5

POSTED: | BY: anna fisher

quick processing

For a first claim it was processed very quickly and trupanion was very good about keeping me informed of how it was going. Payment arrived days after claim was finalised. My only disappointment is that the rates for all 3 of my pets went up $5 each immediately after. Not sure if this was a coincidence and rates were increasing anyway but it certainly took a wee bit of shine off my experience.
5

out of 5

POSTED: | BY: Maureen

Satisfied

The claim was reviewed and payment was received in a timely manner

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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