Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 74,508

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: Stacey

thank you for helping

Trupanion has been great to deal with for helping out with my vet bills for my kitty. Sometimes you have to stay on top of how your vet inputs notes into theis system for trupanion to read but otherwise everything has been great. Thanks for you help while my kitty has been sick.
5

out of 5

POSTED: | BY: Charlotte Libov

Excellent service from Trupanion

When I adopted an eight-year-old dog I was worried about health issues, but, on the other hand, pet insurance for a dog this age is expensive. But I am glad I went with Trupanion because this had given me peace of mind.
1

out of 5

POSTED: | BY: Felicia DeBruyn

Think Twice about Trupanion

I started my pet insurance with Trupanion last year, and found it absolutely amazing until my dog started to become more ill. The policy states that if a dog needs to be on a therapeutic/prescription food diet for life I will be eligible for a discount on my premium. The day my dog was diagnosed with Crystals the doctor told me the ONLY treatment is to dissolve the crystals with Hills C/D bladder health diet, therefore this is a diet he needs to be on for LIFE. The DAY AFTER I submitted my claim, they changed my policy to remove the eligible discount on my premium, and then they UP'D my premium $5. I was furious. I contacted two employees and spoke to a supervisor, and they both told me it was "inconvenient" and there is nothing they can do. The fact that I submitted my claim before they changed my policy, you would think it would be appropriate to HONOR the old policy! There was no notice of what changes were about to become affective in my "new" policy. They did not hesitate to take the "new" premium price out of my bank account, I only had a few days notice that I was about to pay a higher fee. I am extremely unsatisfied with Trupanion! This company is known to "not increase premiums due to claim submission amounts" but this is exactly why they increased my premium. I know for a fact that the Veterinary Hospitals within my city did not put up there prices because I WORK FOR THE MAJORITY OF THEM. Think Twice before getting Trupantion.
5

out of 5

POSTED: | BY: Ashley Bleau

One satisfied customer

I submitted my claim for my dogs cancer diagnoses and heard back within 45 minutes that I had been approved and my reimbursement was issued. I dealt with Jessica and checked in to see how I was doing and even sent me a picture of her own dog lounging by her computer to brighten my spirits. Overall an amazing experience and I'm so happy were with Trupanion!
5

out of 5

POSTED: | BY: Ashok raman

Fantastic

Prompt,courteous and fair. Begs the question, are thy really an insurance company?

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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