Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 68,580

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: Veronica

My cat loves Trupanion!

My husband and I adopted Bruno, a cat, last summer. We took him for his vaccines, and the vet told us about Trupanion and it first month free policy. It looked like a good deal, so we took it. The following month we took Bruno for completing his vaccines and he was diagnosed with a heart murmor. Trupanion covered ALL the expenses related to this problem and the check was mailed within days. One year later Bruno had another accident: he got inside the dryer without us realizing. He slightly fractured his pelvis, requiring Xrays and medication. Again, Trupanion covered all the expenses related to this accident immediately. I am extremely satisfied with Trupanion's service.
5

out of 5

POSTED: | BY: Natalie

Trupanion is a must have!

We rescued Lola from a family that could no longer take care of her when she was 12 weeks old. She was a very sweet puppy, but didn’t have a very spirited personality. We figured that it was due to her breed, and didn’t think too much of it. As she grew we started to notice the tell-tale “bunny hop” that often points to a hip injury and brought her in for some x-rays. The films revealed that she suffered from hip displaysia so sever e that both of her femoral heads were completely out of socket and were essentially being held into place by muscle and skin. The next step was to visit our local veterinary orthopedic surgeon, and they told us that surgery should be scheduled ASAP. They also told us that the total cost for both hips to be replaced would be roughly $10,000. My husband and I love our animals very much, but if not for Trupanion we would not have been able to afford the surgery. Lola had her first hip replaced in February of 2011, and her second one replaced in May. We started to notice the change in her personality immediately! She was starting to act like a puppy for the first time. We soon realized that Lola was not an especially mellow dog as we had previously assumed. She was simply in constant pain due to her hips, and as soon as that pain went away she was able to act like herself. We are so thankful for Trupanion for having such great rates, great service, and for giving Lola the chance to be a puppy.
5

out of 5

POSTED: | BY: Rebecca

Extremely pleased

I have a two year old Norwich Terrier and although I've had other dogs, this is the first time I've had pet insurance. I did a lot of research on this site and other places and decided that Trupanion seemed to be the best option for me and my dog. I joined the plan when my dog was about six months old. We have just had our first major health issue and my first claim with Trupanion. My dog had a Sunday visit to an emergency clinic followed by treatment at my regular vet, including surgery for bladder stones. Filing the claim was easy and my vet had experience with Trupanion and assured me that their clients had had good response from the company. I received prompt, clear and frequent communication by email from Trupanion and after my claim was reviewed was told that everything would be covered according to my plan and that I'd receive a check shortly -- which I did within several days. Trupanion paid 90% of all of the charges at both the emergency clinic and my vet, aside from the basic exam fees and my $100 deductible. It was exactly as promised, with no hassles and terrific customer service. I could not be more pleased and impressed with Trupanion. I am a believer in pet insurance and encourage everyone to carefully consider getting coverage. it is not meant for the usual small things that come up -- the $100 to $300 typical wellness or minor illness visits. But when you are faced with $2,500 or more for surgery, tests and so forth, it is very comforting
5

out of 5

POSTED: | BY: Jan

Thank you Trupanion!

Last year my dog needed TPLO surgery and Trupanion processed the claim quickly amd with no surprises. This year (as is often the case) she needed the other knee done. The claim was processed, along with another smaller claim, in just a few days. Especially like how they email to let you know they received your claim and what the status is. Got the cheques in the mail quickly enough to pay the Visa bill which was great! Thank you Trupanion!
5

out of 5

POSTED: | BY: Linda

very happy that i have this ins

I'm so glad that we have insurance on Ruby..she was so sick that she needed 24 hours of care for aleast 3 days being in the hospital. I didn't care what it cost... cause i knew we had insurance on her...
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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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