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: Sarah

Excellent Experience

This is a copy of an email I sent directly to VetInsurance: I am almost two years late writing this email, but I hope better late than never! Our dog, Maverick, experienced a very sudden illness in December of 2011 and had to be hospitalized at the Atlantic Veterinary College in Prince Edward Island. We live in Halifax and had to leave him there and return home as it was Christmas time and we have four children. Maverick received incredible care while at the AVC; however, it was extremely expensive. During the time that we were making decisions on his case, I trusted that the policy we had for pet insurance through Trupanion (VetInsurance) was true to its word that there was no limit per condition. After a three week stay and a $15,000+ bill, we unfortunately lost Maverick to a cardiac arrest. It was devastating to our family. Once we got over the shock and sadness of losing him, I had to sit down and deal with the financial end of things. I was so absolutely relieved when I submitted my claim to Trupanion and they responded with an approval - no hassles or delays. During what was an extremely stressful time for us, both emotionally and financially, Trupanion put my mind to rest on the financial side of things right away. In particular, Brooke Pickett, if she is still there, was the person who helped me and she was wonderful. She was compassionate and caring and swift in her replies and action on our account. Everyone is always quick to send in the
5

out of 5

POSTED: | BY: Ron Clouner

GI Blockage in 17 month old Lab

My 17 month old Brainiac Lab Cooper for whatever reason (probably just lab) decided that a few rocks were as good a toy or treat as anything we could buy! So after they did not sit right and he started vomiting (foul smelling) food then liquid he we rush to the ER. There we discovered he had 2 rocks lodged in his large intestine. After discussing with the surgeon whether or not they would pass we elected to do surgery to remove them. 36 hours after the surgery he went home and the ER submitted the paper work to Trupanion. 1 1/2 weeks later I received an email stating the claim was processed and my check would be mailed, which I had in a week’s time after that.Yes, I would recommend Trupaion. What more can you ask than have a company stand behind you for all the things a lab can bring into your life.
5

out of 5

POSTED: | BY: Dawn Canavan

If your income is low you need Trupanion

I joined Trupanion 10 years ago for my Chihuahua Ebby. My income is low and I could not imagine losing her to sickness or injury due to my lack of money. As she has aged her premium has increased but so has my salary so I am still extremely appreciative of the benefits Trupanion offers and I have peace of mind and my baby girl is living privileged with health care. Health insurance is a must for every pet, especially if your income is low, consider having to make a choice to heal your pet or let her go........... I can find a dollar a day but not 20,000 dollars, just a thought, thanks you Trupanion for all your great service over the last decade from me and Ebby
5

out of 5

POSTED: | BY: Colleen

They really care!

Our very small dog 21/2 pounds fell and hit her head resulting in a rushed trip to the hospital where we were informed they weren't sure if she would make it. We asked them to do whatever they could to treat our poor puppy. Our first bill sent to trupanion was quickly covered followed closely behind by a request to see how she was doing. This continued through her full recovery with Trupanion actually thanking us for taking such good care of our loved one. The thanks goes to them! I suggest strongly to everyone with a pet to get this insurance.
5

out of 5

POSTED: | BY: Donna Zoberbier

Glad I switched to Trupanion

My dog is 9 years and 9 months old. She was diagnosed in May 2013 with diabetes. She will be on insulin the rest of her life. A 58 day supply of insulin and syringes is $125.99. Trupanion has paid 90% of this cost. The turn around time from the day I send the claim form until I receive reimbursement averages 25 days. Trupanion also covered 90% of the extensive testing that was required to properly regulate her insulin dosage.
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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 Pet Insurance detail
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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