Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 68,786

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
1

out of 5

POSTED: | BY: BJ Edwards

Extreme Rate Increase

I am extremely disappointed in Trupanion... I did my research ahead of time, came to this site for reviews, and decided to enroll my 3 bullmastiffs under this policy. Bullmastiffs were 6 years, 8 weeks, and 7 months when I enrolled them... Up to now, I had been extremely satified with the policy... However, I was notified on each anniversary date of my bullmastiffs policies, the price increase doubled!!! My one policy was going from $55.37/mnth to $105/mnth for the same coverage.. My other 2 policies would be going from $39.54/mnth to $77.15/mth.. This is EXTREME!!! I understand the need for these companies to raise rates but this increase is WAY TOO MUCH. When speaking to a representative, I was told that I was able to adjust my deductible but the price did not come down that much... So, right now, I have moved 2 bullmastiffs to Embrace and the 3rd bullmastiff will be moved once all claims submitted have been resolved. Very disappointing.....
5

out of 5

POSTED: | BY: Charlie

Great Service

I have been with Trupanion for a little over 10 months now and have had multiple visits to the vet with my puppy. I have never had a problem or a long lag in reimbursements!!! I recommend this insurance sompany to everyone I meet that doesn't not currently have, or know too much about, pet insurance.
5

out of 5

POSTED: | BY: Larisa

Satisfied Cusstomer

My name is Larisa and I would like to share my recent experience. Recently my Wire Fox Terrier Maya tore a ligament on her left knee. For those people who haven’t had the pleasure, it is a very expensive surgery. My husband and I recently moved to a new home and money is tight right now, but that being said we are never short for pet insurance as we all know how expensive keeping our beloved animals healthy can be. Maya’s surgery cost over 4.5 thousand dollars. Ouch would be an understatement at this point. Anyway we paid and within two weeks after the surgery Trupanion came through and we received a staggering 90% reimbursement. The whole process was so easy, and stress free. This is the best pet insurance experience I have ever had, and would like to thank the entire staff of Trupanion who helped get this done in a very fast and easy manner. I am a very happy member and will never go back to any other pet insurance after this. Once again my family and I would like to express our sincerest gratitude.
1

out of 5

POSTED: | BY: Danielle

Would not Recommend Trupanion

I have had Trupanion for about a year not had to put in a claim and my boxer female just turned 3 yrs old. I got a notice in the mail that my premium will be going up 70% !! I was floored. I called them to ask why and they said due to Breed related factors and the area I was in they needed to adjust the price, and offered to raise my deductible to keep the same plan. BS!! In my opinion if you have to raise your rates 70% in one year because you mis calculated the cost. Someone is not doing their job or the company is on shaky grounds. BTW this is North Texas not Bedford NY Prices are not that high.
5

out of 5

POSTED: | BY: Ed

Good Major Medical Insurance for a fair price.

I signed up my adopted 6 year old Jack Russell with Trupanion earlier this year and recently had a major claim due to an infection that required surgery. The Trupanion representative was easy to reach on the phone and was great in helping me obtain the required paperwork. Trupanion paid exactly what their advertising and contract promised and they provided a detailed explanation for each item in my claim. They processed the claim very quickly once I obtained and faxed them the necessary paperwork from my vet and the surgeon. There is a fairly high deductible and the policy doesn't cover preventive care but that's appropriate for a "major medical" policy. It provides exactly what I need to ensure that I won't have to deal with a huge medical bill for a major sickness or injury and the premiums are very reasonable compared to the cost of "full coverage" insurance I looked into. Overall, I'm very pleased with the policy and with the company.
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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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