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: Christina

Will never go without pet insurance...EVER!!

Trupanion takes the worry of providing extended care your your pet away. Especially for pets that get diagnosed with a disease. My dog Kona was diagnosed with Addison's. She's a big dog with a hefty monthly prescription bill. There was never a question of coverage. Trupanion Pet Insurance is worthy every penny.
5

out of 5

POSTED: | BY: Kathy

Jessie's Lymphoma Claim - Covered....Again!

Jessie is my mixed breed Lab/Border Collie. She was covered by Trupanion when she was roughly 9 years old. She was a rescue so her age is a guess. Within months of her coverage she developed cancer with a very grim outlook for her future. This claim was one of dozens, maybe even hundreds of claims covering Chemotherapy that was paid quickly and easily. I'm not sure if I am more thrilled about the coverage or the success of the chemotherapy. However, without Trupanion we certainly could not see the miracle of the chemo. After 2 1/2 years of diligent care, Jessie is still full of life and enjoying every day. I am happy to say that I am able to watch her slow down just, a bit, from age rather than cancer. I have lost track of how much Trupanion has paid. And although all involved know that her cancer will never be gone...we can do our best to keep it in remission while Jessie enjoys a very high level quality of life. If this sounds like a commercial...it is! I do not hesitate to tell anyone who will listen how important it is to insure your pet, no matter what their age. Do it while they are healthy, the worst thing that can happen is that your pet remains healthy and you never have to experience the heartache of making a life or death decision based on money. Her diagnostic testing alone ran into Thousands of dollars...Covered exactly as her contract reads! Trupanion is a wonderful product. If you are worried about cost...if you feed a quality dog food, it is about the same as a bag of dog food each month. My policy has saved me approximately a mortgage payment each month.
5

out of 5

POSTED: | BY: Shelly Hall

Excellent customer service

Trupanion actually does what it advertises, unlike VPI which did not when our pets were covered by them. Trupanion needed a lot of in depth information before they paid our initial claim. We have a $500 deductible. After that was met, they paid the claims (minus office visit charges) at 90%. We have peace of mind.
5

out of 5

POSTED: | BY: Lyn

HIGHLY Recommend Trupanion!

Trupanion has been so wonderful to have for my three young cats. One of them had dental issues recently and needed 8 teeth pulled. They reduced my $1,600 bill to just $300. No questions, no arguments, the vet just submits the bills and I get a refund check within a couple of weeks. Such a relief. Thank you for being so easy to deal with!
5

out of 5

POSTED: | BY: Lynne MacInnis

Excellent Service

We initially took out pet insurance on our current dogs because our previous dog (a schnauzer with no insurance) had cost us a fortune in vet bills over the course of her lifetime and we didn't feel we could afford that again. Like most pet owners, our pets are members of our family and we would hate to deny them medical attention because of cost. Recently, one of our dogs has suffered from bouts of pancreatitis where she has had to be hospitalized and put on IV fluids for a couple of days at a stretch. As anyone with a pet knows, this is expensive! We submitted our claims to Trupanion and really, this could not have been looked after any better. The claims were processed right away and we had our reimbursement (90% coverage) within a few days. Their service has been exemplary and we would highly recommend them.
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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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