Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 78,273

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: David Burrus

Always a pleasure to deal with

Extremely fast & very thorough. They were there to help in any way I needed. I am still having follow up blood work for my Yorkie & they continue to cover each claim without issue. The best pet insurance hands down.
5

out of 5

POSTED: | BY: George Cohen

No surprises (and that is a good thing)

I actually have two labs insured with Trupanion and, unfortunately, have had need to render multiple claims for both. This review is a summary of all of my Trupanion experiences. I can't say enough about the wonderful service this insurer provides. A simple to understand contract and I know exactly what my coverage reimbursement will be. Never unpleasant surprises. I highly recommend them and have convinced two of my neighbors to also use them. The neighbors are as pleased as I am. This company has earned the right to b e successful in my view
1

out of 5

POSTED: | BY: Jessie Raye Bauer

DO NOT USE THIS COMPANY

We have been paying for 3 years, and when we finally needed insurance coverage for a surgery for our dog. It was denied because of a preexisting condition. I have a feeling even that our dog having a leg would be an effing preexisting condition. I hope you are happy for taking our money for 3 years, and then we actually need it, you deny it. I don't want to talk to you on the phone, I just want others to know that you are completely heartless, and are only in it for the money only. F you and your effing company. If you wanted to help, then cover at least the vet visit or medication you effing scam artists. You should be ashamed. I had to dig into my savings for a house because I refuse to deny my dog a healthy life. It makes me sick to my stomach knowing that your company is built on such poor principles. I don't know how you go home to your families at night after screwing so many people over. I am lucky I could afford this expensive surgery, and I am sorry for those that can't because you have denied them. F YOU.
5

out of 5

POSTED: | BY: Samantha Martin

A League of Their Own

When I found out my dog had hip dysplasia and that she then needed CCL repair surgery, the only thing that kept me sane was the fact that I was able to afford her care because of Trupanion. Without Trupanion, we would have had to try to find her a new home with someone who was able to care for her financially. Since her initial diagnosis, she's had 3 operations. Now, she's able to run and play just like a normal 2 1/2 year old dog should. Trupanion is by far the best pet insurance. One deductible per ailment (not incident). It can't be beat.
5

out of 5

POSTED: | BY: Steven Johnson

Professional

Always professional & courteous !!!

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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