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
5

out of 5

POSTED: | BY: Barbara Conlon

Fast Reimbursement

When I first submitted my claim to Trupanion, it was denied and deemed a pre-existing condition. Once my vet stepped in to plead my case, Trupanion reconsidered their judgment and accepted the claim, and granted me a Pre-approval number. Once the claim was processed, I was pleased to discover that Trupanion paid 90% of the charges associated with her surgery and post-operative care, with the exception of the standard office visit fees charged by the vets that she saw. Since I was paying for services up front, I expected I would have to wait a long time to be reimbursed for my out of pocket costs, however, I had a check in my hands within three weeks of submitting my claim. Thank you, Trupanion, I would certainly recommend your company to other pet owners.
5

out of 5

POSTED: | BY: Ashley T

SO easy to work with!!

This has been my first time having pet insurance. Our other dog never seemed to need it, but when we got our german shepard I thought bigger dog, bigger problems. This was the first claim we filed (only 6 months after the policy became active) due to a large dog bite on our puppies stomach that required surgery. Trupanion was so easy to work with and collected all required documentation with little to no follow up on our end. The first claim, as the warned, takes about 2-3 weeks to process because the request all history on the animal. From that point forward they say claims typically process within a week. They paid us 90% of our total cost (excluding exam fee), which came out to almost $1,000! I don't know what we would have done without this coverage! I recommend Trupanion 100% to anyone looking for simple, easy to understand coverage for their pet. So far they have been true to their word and I am very happy we chose them for our dog!!
1

out of 5

POSTED: | BY: Andrew Mahr/Rubie

Excuses for Everything

I have a little pomeranian puppy who has an open fontanel. The Trupanion representative said that it didnt matter and that he would be covered by the pet insurance. He also developed bronchitus a few days after signing up for the insurance. The doctors original checkup notes stated that his eyes were watery. My little pomeranian started having siezures a few weeks later and has required a trip to the neurologist and a prescription of phenbarbital. Last week I submitted my claims to trupanion. The ones for the siezures and the ones for the bronchitus checkups. They will not cover any of the bills. They claim now that an open fontanel is a pre-condition for siezures and the watery eyes noted by the doctor indicated that bronchitus was develping and therefore also fell under the pre-existing condition category. They did however want to reimburse me for coccidia medication, even though their contract specificly states that they do not cover parasitic infectons. Im up to $2k in vet bills and up until this point had been sleeping a little easier thinking trupanion had me covered. But all they want to help me with is a $12 deworming medication after paying them $50 a month for coverage. My advice is DO NOT BOTHER WITH THEM! They are all about the business(playing lawyer) and have little interest in providing excellence in customer service to their policy holders.
5

out of 5

POSTED: | BY: Faith Burton

Ear Infection Resolved

I had judged Trupanion in hast - Initially an ear infection was denied, but within 1 phone call it was resolved and they have agreed to cover the claim. Trupanion has always been very efficent and honest with me thus far. I regret losing my cool on the first claim they denied. However, they resolved the issue imediately. I can hoenstly say that I would recommend Trupanion to anyone with a cat or dog.
5

out of 5

POSTED: | BY: Geoffrey

Trupanion has been a "true financial companion"

In November, we rescued our first puppy, Katie. She is a beautiful beagle-mix, so sweet, and healthy (so we thought.) I am NOT a fan of insurance, but ourvet recommended Trupanion and they were offering a 30-day free trial, so we signed up. Just at the end of the trial period, Katie developed cherry eye, and we continued with the insurance to see how it would work. It has been four months now, and Trupanion has been a "true financial companion" for us. Within a few days of submitting a claim, we receive an email letting us know they received it, then an email that it's been approved, and then a check in the mail a week later. We (unfortunately) have had several claims in the last 3 months, and Trupanion has been efficient and responsive. Having a sick puppy is stressful enough. Knowing that 90% of the health bills are being covered helps alleviate some of that stress. THANK YOU!
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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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