Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 70,209

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
1

out of 5

POSTED: | BY: janet

not happy pet owner

I first decided this time on trying trupanion insurance for my newfoundland that was about 10 week old and now he is 2 yrs old. i have never made a claim. i know they have raise the price 40.00 more. they say the never raise the price due to age, the raise it because Advancements in veterinary medicine continue to improve the quality and lengthen the life of our pets. so i will be canceling my membership..
2

out of 5

POSTED: | BY: sparkles

Major disapointment

There's a lot of confusion about how to submit forms, certificates and change the deductible. They draw you in very well at first then give you hard time about getting coverage. I've spoken to lovely people thee and very curt and snotty people as well. I'm looking into changing to a higher rated company before my dog turns a year.
5

out of 5

POSTED: | BY: Samantha Kaye

Thank you for saving our lives!

After having found out that my precious Mini was diagnosed with a liver tumor, I really didn;t know what to do. I figured at 14 years old, Trupanion might not cover her surgery. However, after calling Trupanion and talking to Rachel in cusotmer care, she was very sympathetic to my situation, I found out within a few days that they indeed would cover her surgery! My decision to go ahead with the surgery was made easier just knowing that they would financially be by my side, otherwise I would have had to make a very different and unpleasant decision. Mini is now two weeks into her recovery, and we are happy and healthy. I don't know what I would have done withou you. Trupanion you are the best!
5

out of 5

POSTED: | BY: Raena Latina

Big Fan of Trupanion

After researching pet insurance, I too went with Trupanion. Explanations were clear and I also liked the sliding deductible / fee calcualtor on the web site. My beautiful chocolate lab recently had exploratory surgery for a possible intestinal blockage. (Turns out, no blockage, but both the emerg and our regular vet felt surgery was a must!) Needless to say, this was a pricey procedure. Trupanion did everything they said they would and my reimbursement check arrived in a timely fashion. (I had the check within one month of his surgery date -- it would have been faster but we used regular mail for vet records instead of fax.) Plus, our local rep Scot M. followed up with me every step of the way keeping me infomred of my claim status. I have recommended Trupanion to every dog owner I know.
5

out of 5

POSTED: | BY: Mark

Couldn't ask for much more

This was our first claim, and it was a biggie. Our poor puppy slipped her collar and got hit by a car. The folks at Trupanion were awesome. Not only did they expedite our claim in a very reasonable amount of time, they also went above and beyond my expectations and helped us with getting some of the forms filled out by the vet hospital. I've not experienced that kind of help and service from an insurance company before. If that's not enough, there is no doubt in my mind they actually cared about our little girl. There were constant questions about how she was healing, etc. In my opinion, the questions came from sincere concern. I am so glad I had insurance when I needed it the most. Based on this, my first experience, I'd have to say if you own a dog then the insurance is a must. I recommend Trupanion to anyone.
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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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