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: Becky

Glad I had it!

2 weeks after signing up our beagle puppy Clark for thinsurance he was hit by a car. He will make a full recovery, but without the insurance I dont know that we could have afforded to have him treated. So far his bills are over $2800 and we are not done yet. Thankful I have it, our puppy should lead a full happy life now because we could afford the treatment he deserved
5

out of 5

POSTED: | BY: Alex

Very satisfied

On a whim (after seeing how much family members have spent on vet bills) I decided to get pet insurance. The rate isn't too bad, not even $50 a month. 8 months after getting it my dog had a partial bowel obstruction and was in the animal ER for nearly 3 days. Just over $2,000 later I got my dog back (luckily they were able to flush it and he didn't need surgery). It took the animal hospital longer to get the vet to sign the claim form (since I guess that hospital wasn't his normal place to work so they had to track him down) than it took trupanion to process and mail me a check. The pet insurance literally just paid itself off for the next 40 months, well worth it IMO.
5

out of 5

POSTED: | BY: Tara

Trupanion is the best!

I am so thankful for Trupanion! I bought my policy about a year and a half ago and have had to make three claims, one for a major surgery after my lab swallowed rocks and they got stuck in his intestines (almost a $3,000 bill), and two other smaller claims. Every time my claims have been processed quickly and I received my check within ten days. It is a very easy process and I know exactly what to expect from them. Can't say enough good things about this company!
5

out of 5

POSTED: | BY: Fabian

It WAS good

I was satisfied with the coverage and the plan pricing, but they suddenly increased the monthly payments to an outrageous cost. I see other insurance companies almost 80% lower and provide the same coverage with a 9.2 rating. I would go with them if I were you.
5

out of 5

POSTED: | BY: Elizabeth

No brainer

Having watched friends spend lots of money on pet emergencies, I promised myself that if I ever got a dog, I would also get dog insurance. I just didn't expect to need it so fast! Zoey, our lab mix, was attacked & bit by another dog when she was 4 months old. The entire ordeal lasted over a month & included several rounds of antibiotics, surgery to debride the wound along with drainage tubes (EEEW) and that well-loved e-collar for 3 weeks. My total cost was $956. trupanion covered 90% of the costs, less the exam fees, less the laser therapy (which they are considering covering in the future since it is so commonly used these days)and less the deductible of $250. I sent all of the paperwork into them on August 18th and had checks for $524 on August 24th. I also heard from the local trupanion representative throughout. The claims process was super simple, I just faxed the forms in and had email responses immediately. I really wish they covered the laser therapy and the follow up exam fees (luckily my vet saw my dog several times without charging me at all), and I wish I had gone with no deductible, but even so, having the coverage paid for itself, the filing process was painless and trupanion was super fast responding & reimbursing.
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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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