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: KP

The best Pet Insurance

In 2012, I purchased only a basic pet insurance from Trupanion for my dog, Puffy, because of his vet recommendation since he was going to be 8 years old at that time. He was so healthy with lots of energy so I did not expect anything to happen to him. In the beginning, I thought I was just wasting my money but several months later Puffy could not walk because he had dislocated disc and needed back surgery right away. Without Trupanion, I won't be able to afford the cost of his surgery which came over $9,000, and he won't be able to walk again. Trupanion saved his life. Now, he is able to stand and tries to walk on his own but still needs wheelchair and theraphy sometimes. Last month, he tried to chase our other dog and jumped from sofa. I had to take him back to his hospital the next day for check up after he did not want to walk even on his wheelchair or urinate. The hospital bill came out over $1,000 and I was really concern that Trupanion would not pay for this bill because it already paid for his surgery a year ago. But I was wrong, within a week I got my reimbursement and I was able to pay back my credit card. Trupanion not only provides the best pet insurance, but the staff also keeps contact to check how Puffy is doing. As a pet owner, I really appreciate their service and concern. So, I decided to upgrade his insurance to cover more illness. Now, I am no longer worried how I can give my Puffy the best care if he will ever get sick again. I trust Trupanion and would hi
5

out of 5

POSTED: | BY: Jessica

Trupanion - Quick & Effortless

Our 3 year old pup had a skin tag that was growing quickly and needed to be removed and sent for biopsy immediately. We had our vet submit the claim to Trupanion the same day, but we anticipated it would be an extensive process before we received any word or reconciliation on the claim. But, to our pleasant surprise, Trupanion followed up within a week of the surgery and sent us a reimbursement within two weeks. We really didn't expect this to be so quick or easy, but are definitely happy we have Trupanion. Also, the biopsy results were negative. :-)
5

out of 5

POSTED: | BY: David

As promised

Only one claim experience, but Trupanion delivered exactly as promised and in a timely manner.
5

out of 5

POSTED: | BY: Tanner Burns

very satisfied

Have made several claims to Trupanion and have received my refund within days. My vet now directly bills Trupanion so I only have to pay my portion at the vet and Trupanion reimburses them the rest
5

out of 5

POSTED: | BY: Cheryl Amdahl

Excellent service

Our little dog developed cataracts in both eyes and became completely blind. Had cataract surgery in one eye and her eyesight is back in same. Submitted claim and received very a prompt positive response and a check shortly thereafter. Very happy with Trupanion.
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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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