Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 77,346

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: Erica Spinelli

Claim

I was denied a claim a few years ago on my cat Ellie. I'm still paying on that credit card bill and I truly believe that I was denied wrongfully. I live on disability and my cat are my life but I cannot get out of debt because of this hospital bill. The doctor doesn't want to sign anything and I feel that this is very unfair
5

out of 5

POSTED: | BY: Lindsay Hutchins

Pre-exisiting conditions

I got health insurance because I need it for my dog. It's unclear what's exactly wrong with her but it appears that anything that has to do with protein in her urine you all won't pay for so I won't pay you high fees. When I spoke with the woman when I signed up for coverage I was led to believe that you wouldn't pay for kidney disease. Both of us were wrong. I signed up for your insurance at the vet where my dog got a comprehensive check up to find out what could be causing the high protein in her urine… So you ruled out any of the possible problems and wouldn't pay for any of it.
2

out of 5

POSTED: | BY: Larry Murdo

Nice staff

Kayla was very nice, and offered to submit appeals for us. Which I did appreciate. Then a supervisor came on at my request and said the denial's would probably not be overturned. None of the records for my pet had been reviewed by the appeals department at the time of this conversation. Leaving me with a feeling of little or no hope of a fair review by your company. At the start of this process, I submitted claims one day and the very next day I started getting denials. Your company didn't even request updated records from the hospitals we had taken our fur baby to. I spoke with representatives, even a supervisor who said for me to contact the vet hospitals and have the records sent to your company. I asked if that wasn't their job and did I have to do their job for them now, after I had received denial after denial. I feel as though we were paying for nothing, just donating money to your company. This whole experience made me feel like my beloved pet died all over again and then I get "We are sorry that Princess had to visit the vet..." I will NEVER recommend your company to any of my friends. What good did it do for us to pay on time month after month to have our claims denied?
5

out of 5

POSTED: | BY: Lisa Cona

I was sitting on a bunch bills

I was sitting on a bunch bills from when I took my fur baby into the Dr because he was having issues and I decided to turn the bills in for a claim,it was the complete opposite of what I thought was going to happen. I deal with employees insurance all day for my job so I know insurance companies do NOT like to pay out and they will fight you for everything. Not only did Trupanion do the complete opposite of that they- paid everything and automatic deposited my money in less then a week and it was the first time I ever made a claim. I AM so happy that I picked trupanion as our insurance on our fur babys!!
5

out of 5

POSTED: | BY: Ana Espinoza

Claims are handle quickly

Claims are handle quickly and we are notified by emailed when they are received and when they have been process.

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 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

Get a quote today

Leave a review