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: Lynn

Used to think Pet Insurance was silly

Having never been a dog owner, I used to think that Pet Insurance was silly. Then we got our first dog, a pure bred handsome Giant Schnauzer, Mack. Within 6 months of age, he had been to the vet several times for digestive issues. At that time we thought if this contines, maybe it's time to consider insurance. After doing our research, we decided to go with Trupanion. It's the best thing we every did. His digestive issues went away, but at 4 years of age, he started having siezures, and 4 years later we are up to a couple of hundred dollars a month in medication and medical tests regularly. Every claim that I have submitted for Mack has been processed within a couple of days, and never any quesitons asked. Without this insurance, I'm not sure Mack would have the quality of life that he has now. We insure 2 dogs, and it gives us great peace of mind. Thank you Trupanion !!
5

out of 5

POSTED: | BY: Moira

ACL injury

Excellent service - a little confused over how many times I have to pay the deductible. Because I changed the deductible from $150 to 0 when she had already started treatment for her ACL injury does this mean for the next,let's say six follow ups will each be $ 150 deductible.
5

out of 5

POSTED: | BY: Tommie Buckner

great pet insurance

My Labrador ate God only knows what. She was so ill, wouldn't eat or drink and would only vomit. It was terrible. Sheended up needing surgery small bowel obstruction. The surgery was over 2 thousand dollars. I made my clam amamid with in a week I was emailed the amount I'd be receiving which was 90% of the total cost. The whole ordeal was so upsetting but throughout it I had the piece of mind that financially it wouldn't be a problem.
5

out of 5

POSTED: | BY: Heather

FANTASTIC

My pug was started on coverage on 1/1/14. On 1/3/14 I noticed he was drinking alot. I took him to my vet and he was diagnosed with an elevated calcium level which made us very suspicious of cancer and a urinary tract infection. $1600 worth of meds and diagnostics later including an abdominal ultrasound Darth Vader was diagnosed with a parathyroid tumor and bladder stone. Trupanion saved his life by covering 90% of this cost. He will be having surgery next month and I will be again availing myself of this wonderful service. I highly recommend this company!
5

out of 5

POSTED: | BY: Helen Marsan

Trupanion Review

I purchased Trupanion Pet Insurance when Cody was 3 months old, of course never wanting to have to use it.Recently, Cody was tested for Cushings. Luckily, he is ok but follow-up tests continue. With Trupanion, I paid a one time deductible for this issue and all related tests/procedures are covered. I would highly recommend Trupanion for pet insurance

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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