Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 77,718

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: Emily Betz

Trupanion has saved me thousands of dollars!!

When I bought my new puppy to the vet, she recommended Trupanion. The first month was free and they would cover any problems after I signed up. This was seriously the best recommendation I have received financially. After about two months, it was obvious that something was wrong with our puppy. After extensive tests and a specialist visit, it was determined that our baby had a liver shunt. He was eight months old and was the size of an eight week old puppy. The testing, surgery, follow up etc. cost over $5000. Trupanion paid 90% of it. I had only paid three months of premiums at $31.00 each month and they still paid for it. Within two months of returning home, the little guy had a freak accident in the yard and broke his leg. Of course, he required surgery. Guess what? Trupanion shelled out another $1200+. I thought for sure they would cancel us, but they have not. The service is second to none. I receive a check within two weeks of submitting a claim. I would highly recommend this company ( I already do to everyone). Even if my dog never has another problem, I will keep this insurance because I have never had a better dealing with an insurance carrier whether it be medical, dental, auto, home, etc.
5

out of 5

POSTED: | BY: Wilda Chang

coverage

Premium oral hygiene chews for Dogs vegetarian type is not covered by insurance.Yet, my dog is allergic to all other animal/fish chews in the market. We go through one bag $25 per 4 weeks as per suggested by his vet. In my opinion, this item should be covered. Cost for rotten clean, nothing to chew on will have more insurance claim down the road for a middle age dog.
5

out of 5

POSTED: | BY: Geraldine OConnell

Best Pet insurance

I have had another insurance in the past, and they were reasonable but ltd to how much a claim can be plus very slow in paying out, Trupanion has been extremely fast paying, I love the unlimited amount you can claim, every claim I have ever made has been fast and directly to my back, I would highly recommend Trupanion as the top provider of dog insurance and I have 3 dogs insured with them .
5

out of 5

POSTED: | BY: Carole Railsback

Everyone at Trupanion has always been courteous and my claims are handled quickly and efficiently.

Everyone at Trupanion has always been courteous and my claims are handled quickly and efficiently. I recommend them all the time
5

out of 5

POSTED: | BY: Gina Georgas

I have had a very positive experience with you company.

I have had a very positive experience with you company. the people on the phone make a world of difference. They speak with happy, kindness, compassion, and a love for animals. Thank you.
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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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