Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 67,964

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: Karen

An excellent investment

Our shelter-adopted, female, toy poodle mix may have ingested something toxic while a stray before being rescued by a kind, pet-loving person and taken to the Hendricks County Animal Control Shelter. We made several medical insurance claims after a pre-surgical blood test before she could be spayed showed elevated ALT liver enzymes, followed by a month of treatment with Denosyl,two subsequent blood tests, an ultrasound of her abdomen, then a liver biopsy taken during her spay surgery. The biopsied tissue was sent to the Animal Disease Diagnostic Laboratory at Purdue University for histopathologic examination. It was determined that there is "hydropic hepatocellular degeneration" in her liver "that may be the result of hypoxia as well as metabolic or toxic insults." To our relief, this is a mild condition that should not require any further treatment at this time. Trupanion handled all of our claims made for the above situation in a very timely manner and reimbursed us according to the promises made when we enrolled in their pet health insurance program. We have been more than pleased and feel that enrolling our "Princess" with this company has been one of the best investments we've made.
5

out of 5

POSTED: | BY: Atticus Paisley

excellent

We have a 5 year old english bulldog and anyone who has ever had a purebread bulldog knows that they can be an expensive dog to have. Recently she has been very sick. Our bills were starting to rack up. Trupanion has always had fast response to our claims and great customer service. To anyone who has ever had a sick pet, worrying about climbing vet bills can add to the stress of the whole situation. We can concentrate on helping our dog get better without worrying about the vet bills. The reduction in stress far outweighs the cost of our monthly premium. We will be using Trupanion for all of our pets in the future and you should too. 90% coverage is by far the best on the market. We enrolled her at 10 weeks old and over the past 5 years have never had a problem.
5

out of 5

POSTED: | BY: Sharyn

Claim Submission

I submitted a claim to Trupanion on Wednesday morning and by Wednesday evening they sent me an email telling me my claim had been processed and would be sending me a check shortly.
5

out of 5

POSTED: | BY: Adam

Great pet insurance

The best insurance there is!!! They haved saved my pocket book and my pet.
5

out of 5

POSTED: | BY: Julia

Trupanion is a Lifesaver (literally!)

I took my 10 month old cat to the vet who diagnosed her with severe life threatening anemia. She needed an immediate blood transfusion, bone marrow biopsy, tests and medications. The total bill was nearly $3,000 in the first 24 hours of care. Since then her continuing treatment costs approximately $250 to $500 a week until she recovers. I called Trupanion to find out how the process works. The rep interrupted me to ask how my cat was feeling and if I was ok. Wow! I never felt like they were about the money. They just wanted my cat to get well. I received occasional emails from the claims specialist inquiring about the status of the testing and prognosis. Very caring and helpful. I received claim payments in a matter of days. If I did not have pet insurance, we would not have been able to pursue treatment and she would not have survived that first week. It has been nearly a month and she is back to her old frisky self and on the road to recovery. Purchasing pet insurance was the best investment I ever made and I don't regret choosing Trupanion over the other choices.
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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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