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: Heather Young

Pretty Pleased, tiny bit annoyed :(

The very first claim I had to file with Trupanion went without a hitch. I am also an employee at my animal clinic so therefore, I get a discount on services as well. Being an honest person, I turn in my claims AFTER my discount has been applied, so really, Trupanion also benefits from my employee discount because ultimately they are not having to pay out as much as if I were a regular client at said animal clinic. That being said, this second claim I turned in has been a little frustrating. I can't complain about the amount paid, but I feel that it took way to long to process my claim and far too many phone calls to my clinic to "verify" charges. I feel like there was a lot of "nit picking" when the company is already saving a ton of money from my discount. I really felt like they were trying to get out of paying for some things because of my employment status. This experience was completely different from my first experience and it left me feeling jaded and disappointed. Overall, I would still recommend them to other pet owners.
5

out of 5

POSTED: | BY: Tom Adams

Emergency Hip Surgery for Winston

Winston was trying to jump up on the bed and he completely dislocated his right hip requiring surgery on April 30, 2013. We submitted the claim May 10th and were reimbursed about the 30th of May for 90 PerCent of the bill total less office visit fee and deductible amount of the insurance. We are very satisfied with Trupanion Pet Insurance We took out the Insurance when we got Winston it is good to know that in an emergency that your are only going to pay the office visit fee and the deductible which you choose when you take out the insurance policy rather than a large surgery and medication bill.
5

out of 5

POSTED: | BY: Erin

Great investment! So glad I got Trupanion!

My dog has unfortunately had a lot of medical issues, and having the insurance has allowed me to get him all the help he needs. Dogs give you unconditional love and deserve to get the best care you can provide in return. Read the policy through carefully so you understand what is covered or not - they will stick to the policy.
5

out of 5

POSTED: | BY: Sylvia Roberts

They pay with the speed of light!!

Our big dog Monarch has a lick granuloma on his right lower leg joint and is now going thru his 2nd round of laser treatment. Trupanion immediately paid for his first round and had already paid for his second round before his treatment even began. I call that fast! We made the right choice when we chose Trupanion even tho we didn't know we would be using it this soon.
5

out of 5

POSTED: | BY: Sharon Demoranville

worth the monthly premium

Though it took longer than expected to get reimbursed it was worth the wait.

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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