Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 68,375

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: Carol

THE BEST in the business!

I switched our dog's insurance from VPI to Trupanion a little over a year ago. How I WISH I had done it sooner!!! Trupanion is truly a JOY to work with. They process claims immediately and there is absolutely NO question as to what they cover, check arriving quickly in the mail. And, our premium just went DOWN from its original price. You can't get better than that. If you are going to buy pet health insurance, which I HIGHLY recommend, Trupanion is THE ONLY one that's worth it in the marketplace.
5

out of 5

POSTED: | BY: Chuck Hartman

Wonderful pet insurance company

Wow! What a great company and what a change from the insurance we had before. We have 3 Afghan Hounds currently and have had 9 of them over the years, so we are used to the expense of owning dogs. But over the last 2 years we have had a lot of very expensive medical bills for our 2 older dogs including the removal of a 7 pound tumor; pneumonia and Pancreatitis. it was during this time that we found that our insurance coverage with VPI, which we had for years, wasn't worth a darn. They covered very little of the expense and were not very nice to deal with at all. We got an Afghan puppy last May and signed him up with VPI as we had done for all of our other dogs. But when our oldest dog got pneumonia and VPI covered very little of it ( no coverage for Oxygen...are you kidding me! ) we decided to look for a better company for the puppy. We decided on Trupanion and mistakenly waited until the one year contract with VPI was up before signing up with them. We have since then learned that we could have signed with Trupanion right away and they would have covered whatever VPI did not. So we started showing the puppy as soon as he turned 6 months and he has been doing great but after the show in Long Beach a few weeks ago he started choking and we took him to a Vet only to find that he has a very rare condition called Chylothorax which is very serious and in fact usually fatal if not treated immediately. In his case about 1 1/2 liters of Chyle got into his chest cavity causing o
5

out of 5

POSTED: | BY: Troy Anderson

Great Service

My dog was only 4 months old. He fell off the porch and had a strangulation injury. He had to spend several days in the ICU. It was a stressful time. He was fine in the end. It was nice to know that most of the bill would be taken care of. There was no problem with reimbursment. The process was quick and smooth
5

out of 5

POSTED: | BY: Joan

Pleased with follow-up and claims

I am quite please with their follow up and claims processing. I do have a question as to how the deductible is applied but I have not yet contacted Trupanion about this. Also do not know why cost of follow-up office visits to vet for covered condition seem to deducted from reimbursements.
5

out of 5

POSTED: | BY: Kim

Awesome

Best thing I ever got. Never ever thought to have insurance on my cat but I am glad I do and Trupanion is the best. They took get care in getting me all the info I needed to start and when it came time that I needed it they were there with a quick reply and my claim was taken care of quickly.

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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