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: Naomi Burton-Isaacs

Best Customer Service!

I've been a member for about 8 years. Reasonable monthly fees, fast payers and I recommend to anyone has a pet. They've been my companion through the cancer and sudden death of my beloved cat of 2 years and now my dog Asta for the past 6 years. I cannot recommend them enough. Even if you a perfectly healthy young pet you just never know what is down the road. It's the best thing you can do for your bank account! One should never feel that you cannot provide the best in treatments because you don't have the money at hand.
5

out of 5

POSTED: | BY: Pat

They are wonderful

I have found Trupanion to be helpful and very fast with the coverage of my dogs claims. When I have spoken to them on the phone they have always been pleasant and very helpful. I recommend them to everyone I meet with new fur babies. Thank You again
5

out of 5

POSTED: | BY: Catherine Caezza

Fast and accurate service

So thankful for Trupanion. Although we don’t have many paid claims because we are usually under what we have set as a deductible we still have communication when one of our dogs has an issue. It is always a pleasant experience and we always get clear and precise communication.
5

out of 5

POSTED: | BY: ALLISON CARMODY

Helping Me Take Care of My Soulmate

When my 7 year old Alaskan Malamute tore his ACL and meniscus and needed TPLO surgery (a procedure that costs over $3000+) having Trupanion was how I could focus on my dog and not be overwhelmed with anxiety regarding the dent it would put in my bank account. I was able to focus all of my energy on properly caring for him and could stay open-minded about post-op therapy options as well. Ultimately, I had the peace of mind to move forward in a time where I would have been paralyzed with fear had I not had Trupanion coverage. I've had Lupo since he was 7 weeks old and he's all I've got - no kids, no significant other - he is my soulmate and my best friend. This whole experience to me = priceless. Lupo is recovering and is without a doubt the best part of my day. Thank you Trupanion!
5

out of 5

POSTED: | BY: ANNE

I highly recommend trupanion for your pet's insurance

We have not regretted getting our german shepherd segen enrolled in Trupanion's premium plan when he was 3 months old. Unfortunately, we've had to use the policy many times due to a severe injury requiring extensive surgery and follow up care. He's also needed to remain on medication for other health issues. If we hadn't had Trupanion, we wouldn't have been able to afford the treatments he has needed. But with our policy, our claims have been paid out at 90% coverage. The claims have always been processed promptly and their 24/7 phone service can't be beat.
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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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