Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 75,079

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: Jackie Thompson

Awesome

Came home from camp and needed to have the dog examined. Called the vet and they gave me an APPT. Took him up and sure enough he had hot spots on both sides of his neck. But as I was going to pay Amanda said to me "I know you have pet insurance so I can submit this bill for you and we will know in 10 min what your portion will be. I was so happy because I didn't know that you could do that right at the vets office and they pay the vets office directly leaving me to just pay the balance. I was thrilled. Thank you Trupanion!!!!!!!!!!!!!!!!!!!!!
5

out of 5

POSTED: | BY: Amanda

Customer Service

My experience with this company has exceeded my expectations. Every time I have called the representatives are extremely friendly, efficient and knowledablge. I'm so glad I made the decision to acquire a pet insurance service with them for my little pug. I continue to refer them to other pet owners and can't say enough about how pleased I am.
5

out of 5

POSTED: | BY: Miriam

Prompt and paid claims

Our experience has been great with Trupanion. Have had the insurance for one year. Our puppy had more than her share of issues and Trupanion was prompt and paid the claims that were due. Insurance being what is, you hope you never use it, but we got our value from the policy this year. The best part was they always reviewed the claim quickly and paid quickly when something was owed to us.
5

out of 5

POSTED: | BY: gena

me & my kitty would be sunk without "Tru!"

I registered my then 12-plus yr old kitty about a year BEFOE she developed an alarming "hacky" cough in Dec 2014; since then she gets $90 worth of shots evry 2 1/2 to 3 wks, for which I PAY less than $9--I'm on fixed income, anbd this is a blessing for both of us; Trupanion pays their share before we leave the vet's office, and promptluy send hard copies, and always follow up w/emails!--I'm SO GLAD I found Trupanion, I carry brochures to give out to folks..ifand when it's time for a"next" cat, I'll be getting Trupanion right away!
5

out of 5

POSTED: | BY: Kathy Clemens

Excellent customer service and appeal process

Our beagle had a reoccurrence of a mast cell tumor and with Trupanion's help, our claims were accepted and paid. Trupanion is fair and honest and truly cares about our dog's medical care. We couldn't be happier!

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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