Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 68,170

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: Jersey

Smooth experience

A generally smooth experience from start to finish. Claim was easy to file and reimbursement arrived within 10 days. Only complaint is that I am only seeing about a 75% return on my total expenses after the deductible, 90% coverage, no refund on taxes or exam fees. It's frustrating to pay for good, expensive coverage... spend $2000 at the vet, but only get $1500 back.
5

out of 5

POSTED: | BY: Jeff and

A+ customer service

Thank goodness for trupanion! My Rotti, Tessa, had severe hip displiasa in both hips! We. We're able to get her surgery for both hips and a third when she popped one of her new hips out! Trupanion covered %90 of all the expenses! We would not have been able to do this for our sweet girl if not for Trupanion!!! We are forever grateful!!!
5

out of 5

POSTED: | BY: K. McLeod

Trupanion has been great

Our dog has been diagnosed with "epilepsy until proven otherwise." This can take up to a year to get the medication right. It's been six months an four episodes of seizures and Trupanion has been there for us.
5

out of 5

POSTED: | BY: James MacIsaac

Trupanion works

I have an 11 month old Puggle ( Charlie) and he required knee surgery, I was and still am insured by Trupanion. I must admit I was hesitant in getting insurance, as I had heard some horror stories about trying to get claims authorized. However, Trupanion came highly recommended and it was the best decision I could have made, Charlie is very much family and when he needed help we were there for him. Likewise when I needed Trupanion, they were there for me, there was no hassel, no fuss, just concern for Charlie's well being. The claim was authorized immediately, payment was prompt and follow-up e-mails, re: Charlie's recovery was a nice gesture. I am very happy with Trupanion...Thank you!!
5

out of 5

POSTED: | BY: Lori Farino

Overall I am satisfied

I had to call several times and spoke to several people until an x-ray was included as part of the deductible. I brought a sick cat into vet's office and bloodwork and xray were ordered. Trupanion felt the xray was not necessary because it did not involve the eye even though the cat had respiratory symptoms as well as vomiting. Of course the xray would be ordered. I had to fight for that. It took 5-6 weeks after the first visit to receive reimbursement. Too long. But overall I am satisfied because in the end they paid what should have been paid.

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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