5
out of 5
POSTED: | BY: Cindy Cohen
Simple Simple Simple
I had a claim with one of my puggles and this was easier than filing a claim for one of my kids. Great response
4.9
out of 5
Number of reviews 67,757
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: Janis Bailey
claims: paid as per terms
Lyra is the newest member of my family and adopting her was a no brained. However, being close to retirement, I was concerned about vet bills for her later years on a fixed income so I set about to try to find decent insurance and compared all that I could online. I settled on Trupanion partly due to the straightforward, easy to understand terms and partly due to the 90% coverage with choice of deductable. I never expected to have claims so soon, but Trupanion handled the claims in a professional and timely manner while keeping me in the loop at all times. The expected amount arrived within 2 weeks and I'm very pleased with the company so far. So much so that I'm now considering adopting another cat so she can have someone to grow up with. Sadly, I don't expect either my 21, 17, or 15 year old to be around for very long after I retire...
5
out of 5
POSTED: | BY: Kathy Mahinay
Excellent Service
WOW I have been in member services for over 30 years and your employees all receive the five diamond award for service. We adopted our dog as a rescue in October 2010. In April she had a cranial ligament tear from playing at the dog park. My first call was to Trupanion. Your forms were easy to complete, your service reps were easy to talk with and we had an immediate response by e-mail and by phone. It had only been eight days after her surgery when we received our 90% refund.
5
out of 5
POSTED: | BY: PD
Thank God for Trupanion!
I typically do not take the time write reviews. However, I had to write one because of the awesome service I received at Trupanion. This is my first experience with having pet insurance, and all I have to say is I am SO glad I got it. Some friends just don't understand why I got pet insurance for my lil guy, but believe me - if you would do anything for your dog/cat like fork out all your savings to make them better when they are ill...trust me, get pet insurance. It is a peace of mind and worth it. The cost of vet services are so expensive. Unfortunately my lil guy has gotten pretty sick in the last couple months and was diagnosed with gastroenteritis with a probable ulcer. I had to go to the vet twice and both those visits were approx. $400. I was impressed with the processing of my claims and it wasa lot faster than I expected. Once you submit your claim, Trupanion e-mails and contacts you that they received it. They also send you another notification when the claim is under review. I received my check within 2 weeks. Things I do like: Trupanion keeps you updated along the way and they are clear on the break down of costs of what they cover and if you met your deductible. My only minor complaint is that I wish they would cover the consultation/examination/recheck fees as every visit to the vet is pretty costly and this alone ranges from $50 - 60. Otherwise Trupanion cover everything else - 90% of it which is GREAT. Overall I am very satisifed with my experience with Trupan
5
out of 5
POSTED: | BY: Amanda
Good Insurance
I have never used pet insurance before, so I have nothing to compare it to, but so far Trupanion has been great. My dog has been diagnosed with kidney stones and Trupanion has helped with the medication and monthly U/A checks. They pay fast and the process is easy. Good to have peace of mind.
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