Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 68,580

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: Samantha Holzberg

Fantastic

Trupanion was there every step of the way for us and our dog. They made submission simple and reimbursement came in a timely matter. I would highly reccomend Trupanion to anyone.
5

out of 5

POSTED: | BY: Michelle Caron

ACL tear

Everything was great except for the fact that I had to submit the same information 7 times. I have a claim from November that was still pending because when I email and faxed the information to different people at Trupanion it was not added to my profile. I called one more time and asked for the Miriam Keith to confirm that she received my email and then finally the issue was solved. But before that John Norton received my information several times and he never follow up with me.
5

out of 5

POSTED: | BY: Pebbles

Excellent Company

Ive used my pet insurance 3 or 4 times in the past 8months that I have had the policy and its been worth every penny of my $50 monthly premium. The claims are paid right away,no problems what so ever. Ive had claims for several different things. First was an allergic reaction to her shots, then she had diarrhea for several days, the last thing was bruising and unexplained bleeding. My last dog died from kidney failure, so I know how much vet bills can be. I wish I would have known about Trupanion when she was alive. I was offered a free month of Trupanion from my vet when I brought my new puppy, a french bulldog, in for her first vet check. She had an allergic reaction to her shots so I had an opportunity to use the insurance during my free month. The claim was paid in a timely manner with no problems. Even though I have had several claims in less than a year, I have been treated with the same courtesy and the claims have been paid in the same timely manner every time.
5

out of 5

POSTED: | BY: Frances

Great service!!!

I purchased pet insurance for my dog when he was a puppy thinking maybe one day he would be hit by a car, need a surgery, or something like that. I never ever expected him to develop epilepsy. He is only 2 and the cost has been crazy, but Trupanion has not made it difficult to be reimbursed - payment comes quickly. I appreciate everything they have done for us.
5

out of 5

POSTED: | BY: Jan Nagy

Wonderful Experience!

Everyone I have dealt with has been extremely pleasant and helpful. I never expected as many health issues with my puppy initially but they have made each experience calm and they truly care. My veterinarian has also said you are the best at talking with and dealing with that they have come across so far and we live in the sticks so it's been very easy.

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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