Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 76,404

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: Miles Wuller

Great rep

The representative was very nice, in fact one of the nicest I've spoken with at Trupanion. It sounded like it was his first day, so he didn't have all the answers. He did get the manager for help. It turns out my issue was with how the vet's office mistakenly filed the paperwork. I was told to have them call back, but I wasn't given a direct line or a name to talk to when I asked for one. I also asked if he could make a note of our conversation for the next rep when the vet's office calls in which he was happy to do. The rep was truly a pleasure to work with. In cases like mine, a reference number or direct line would be best. Having to reexplain the same issue to multiple people is aggravating and time consuming. It's also complicated when so many people are involved - me, vet's office, reps at Trupanion.
5

out of 5

POSTED: | BY: Barbara Sanger

Just wish it covered spaying.

Just wish it covered spaying.
5

out of 5

POSTED: | BY: Nicholas Vigorito

Not happy

We are VERY unhappy with Trupanion. We are forced to appeal several denials of expensive claims recently. We will NEVER recommend Trupanion to ANYONE - not even an ENEMY. Feel free to contact me.
5

out of 5

POSTED: | BY: Adele

Affordable, peace of mind.

Affordable peace of mind for my dogs. Trupanion has taken good care of my dog who developed allergies. They cover 90% of his monthly medication, and he will be on it for life. Their claims process is simple and they inform you of the status of your claim every step of the way. Wouldnt be withour it. All 3 of my dogs have Trupanion, accident and illness policy :) - I work at an Emergency Vet Clinic and recommend it to ALL of our clients. Accidents do happen and pet insurance does help!
5

out of 5

POSTED: | BY: Theresa V

The best and most affordable

I have had Trupanion since 2013 and I would not be without it. I have compared Trupanion side by side with other pet insurance companies and it has come out on top in benefits and affordability, especially for those with multiple pets. My most recent claim dealt with one of my dogs who had been outside in the early morning around 3:00am only for thirty minutes when she came back inside the house with her head completely swollen up. I rushed her to the Emergency Vet Hospital and it was confirmed that she had encountered a rattlesnake and was bitten in the face. Antivenin was administered immediately to counter the effects of the rattlesnake venom and she was monitored until the emergency vet hospital closed and then I was advised to take her to my regular vet for further monitoring and testing through out the day and possibly additional doses of antivenin if warranted and copies of all of my dog's paperwork were being faxed there so they knew we were on our way. When we arrived at our regular vet, we were expected and my dog was taken right in and set up to be monitored and examined by the veterinarian there. I received update calls and as the day progressed, things were looking good. Fast action on our part and getting treatment averted any additional damage from the snake venom. Trupanion paid the claim without hesitation.

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

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