Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 69,198

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: Celynn

Unbelievably Fantastic !!!

Quickest service on anything ever. You are notified when the claim is received, notified as they process the claim and notified when the claim is settled. They received my claim on a Monday and I had my check on Friday. NO ONE gives such great service. Much better than my own insurance company. I love Trupanion. I've had three claims (same issue) and all were processed with the speed of light. Incredible ! And the people are truly animal lovers and care. I switched my dog from an all natural premium food to a grain free and he had nothing but gasto intestinal problems... the x-rays were expensive and the treatment and he is still on a mild stomach pill. The expense was enormous and I am so glad I invested in pet insurance for my two dogs. Bleu is a blue tick hound and while he eats anything weird, grain free is not for him. Thank you Trupanion for covering all my expenses.
2

out of 5

POSTED: | BY: Zeus

Very disappointed

Please see an exerp from an email that I sent to Trupainion upon completion of my claim: "I received 3 claim process notices (the one here 271018, 269924 & 269923). My query regards why I was charged 2 deductibles when this was all done in 1 procedure. 1 on the claim here (27018) and as well on 269923. I do note that Trupainion has divided the claim into 2, but I am sure that you can appreciate that the scheduling for these procedures were to save money (for Trupanion as well as us) on anaesthetics as well as undue stress on Zeus if we were to have done this one 2 separate occasions." Trupanion's response is below: "Our deductibles are per condition. As Zeus was under he was treated for the masses as well as his oral care. As there are two different condition we had to apply the deductible to both conditions." I cannot tell you how utterly disappointed I was with this response. Tina Furber
5

out of 5

POSTED: | BY: Linda

Exceptional Company

I cannot not say enough good things about Trupanion Pet Insurance. I insured my Doberman at 10 years of age. Approximately 6-7 months after policy inception she collapsed in my living room with a heart problem. Shortly after she developed problems with a mass on her leg that was inoperable due to her heart issues. This company paid approximately 18,000.00 to 20,000.00 dollars over the course of time that she was insured. I had a 250.00 deductible and they paid 90% of everything except office visits. This company is phenomenal. My girl enjoyed a great quality of life up until the end. I could not have afforded to take care of her with all of her issues without Trupanion. They are the best!
5

out of 5

POSTED: | BY: CJ

Prompt

My first experience with Trupanion was a positive one. My Vet signed me up for first 30 day free trial and unfortunately I had to take advantage of it. As soon as I vet submitted a claim I received an email that it was under review. I would guess it was within 24 hours of submittion. My reimbursement check came shortly thereafter.
5

out of 5

POSTED: | BY: Steve

TTHANK YOU THANK YOU THANK YOU

Tessa, out female shepherd collie crossshowed sudden symptoms such as walking into furniture, walls and doors and had very poor balance. She was not her usual self. We first had her assessed by our local veterinarian who said that she was blind in her left eye and half blind in her right eye. She was then assessed by a veterinary eye specialist who determined that her eyes were functioning but that she may have a brain tumor. She was then referred to a neurologist for further investigation. She required extensive medical intervention at great cost. After extensive medical tests it was determined that she had meningitis-encephalitis. She was treated and appears to be on the road to recovery but will require further intervention to maintain her health and well being. We submitted our claims to Trupanion and we were surprised at how quickly they responded to our clain in such a professional manner. There was no delay and no fuss. We will recommend Trupanion to all our friends who have pets. Thanks again Trupanion. You have saved us a lot of worry and stress.
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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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