Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 77,160

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: AJ Ricciuti

Great job!

Our young puppy Boone recently decided it was time for him to expand his diet and took advantage of freedom while out of his crate. He managed to pull down a stapler and ingested some plastic, as well as a few staples. He didn't stop with the stapler...he went on to grab a computer mouse and chewed away at that as well, eating more plastic and some small amounts of cable as well. Normally when gets a hold of things he will chew and shred and not swallow. This time we needed to be certain about what he actually did ingest. After a few x-rays and sedation we were able to see some small foreign bodies in his stomach cavity. He failed to vomit following induction attempts. We were comfortable that the staples were pretty well coated with food products, and that they would move on to pass through stool. We took him home with us that night and continued to monitor him (and his stool) over the next day. He recovered quite well from the sedation within a few hours and continued to pass stool without difficulty. We did indeed notice multiple amounts of small particles in the stool but couldn't be certain about the passage of the staples. We returned, as planned, 2 days later for repeat x-rays. Fortunately, we were able to see that the staples and other foreign bodies had made their way from his stomach into his colon and would be exiting soon. All has been well since! Boone spends more time in his crate when no one is home with him now, safer for everyone this way. If we did not have pet insurance with Trupanion, this would have been a very expensive lesson indeed!
5

out of 5

POSTED: | BY: Char

Best insurance ever!

Prompt and efficient! Great communication. Very pleased!!!!
5

out of 5

POSTED: | BY: KRB

Great coverage especially including alternative modalities.

fast coverage for acupuncture & chiropractic adjustments on my little chihuahua.
5

out of 5

POSTED: | BY: Yvette

Best insurance company!

We've been with Trupanion for a few years and I was hoping to never have to use it, i.e., submit a claim. Our Wheaten recently became ill. As gut wrenching as it has been to go through all the medical tests, etc., Trupanion has made the experience easy and seamless. I highly recommend them to any and all pet owners. First class!
5

out of 5

POSTED: | BY: Linda Paul

Best pet insurance company

Did my research before choosing Trupanion 4 months ago & am I glad I did! So different from another company I'd had with another pet. One week since filing my first claim & my check is in the mail! You pick your own deductible & premium, plus there's no caps on coverage. Win-win!
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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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