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: Adina

Hip dysplasia

I have read many reviews on insurance company's and I'm soo happy to have chosen trupanion. Since the day I did my first claim they have been nothing but nice. They handled my claim quickly and made sure that my dog is ok. My one yr lab mix needs hip replacement surgery and I sent in a pre approval claim and they approved us 2days later. Thanks to them my baby will be able to walk and run normally again. They were fast with reimbursement for his X-ray claims that I had to put in. They returned calls fast and stuck to their word. I highly recommend this insurance. They are the nicest And most caring people. If only we had human insurance like them. Thank you trupanion!!
5

out of 5

POSTED: | BY: Neill Venter

Claim review

Good fast service, got the cheque within a couple of days. Wish they would have paid the consultation leading to the operation as well though, after all that's the reason why you brought the dog to the vet for
5

out of 5

POSTED: | BY: Jane Firebaugh

Best pet insurance around

Fair claim reimbursement. Pays 90% of the claim no matter what the amount and not by some arbitrary, unrealistic schedule. You control your premium cost by choosing your own deductible. Deductibles are per illness/incident and not by calendar year, which tends to be financially beneficial to the pet owner. Has one bad feature - completely excludes consultations and exams which are common and essential. Would rate it '10' if it covered at least 60% - 90% of it.
5

out of 5

POSTED: | BY: John Tateishi

Pet insurance? Absolutely, it's so worthwhile

My dog recently had to have polyps removed from her ear, a procedure that was important lest they turned out to be malignant. The total cost of the procedure was around $700 and my insurance with Trupanion covered it completely. Owning a pet costs money and that's fine, but it's the unexpected emergencies that hurt the pocketbook. That's when having insurance with a good company like Trupanion is critical. Unlike some nightmare stories I've heard from other pet owners, Trupanion was amazingly efficient and fair in their assessment of he procedure and very quick to send a reimbursement check. This is health insurance at its best. In rating Trupanion between 1 and 10, I'd rate them 100. They're that good.
5

out of 5

POSTED: | BY: Heather Claxton

Great Service!

My dog Dana, a Bull Mastiff Rottie X, hurt her knee and was in some serious pain. We visited our vet for xrays and many tests...our only option was major surgery and a long recovery time. Our Dana girl is older and we didn't want to put her through all the stress. Our vet recommended Metacam and we were happy to find out our Trupanion Insurance covered us for a large part of the cost. We were even happier to see that the Metacam made Dana Dog into a new puppy! I recommend Pet Insurance to all my customers, I manage a Pet Supply Store and see many new puppy owners. The quick and awsome service we receive when sending in our claims is so great! Our returns are mailed to us within 2 weeks without any troubles! Anyone who's thinking about registering their pet with some type of vet insurance should absolutely do it!

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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