Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 75,648

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: Donna Stephens

Excellent Care and Coverage

Trupanion takes care of their clients like family. They were there when we needed them and made sure our Annie had the best possible care and coverage. Our claims were handled quickly and correctly. They are wonderful!
5

out of 5

POSTED: | BY: Ron Foresta

Trupanion is # 1

I've been with Trupanion for about six months now. I have a beautiful English Creame Golden Retriever named Emma who is a 1 1/2 yrs. old. About six months ago I took Emma to my vet, Dr. B, for a wellness visit. I had been with this other insurance company at the time when Dr. B asked me how I liked them. To be honest, I had never had to use them, so I asked him if he had heard of them. Although Dr. B didn't say anything bad about them, he didn't say anything nice about them either, which led me to asking him who would he recommend. Within the next ten minutes or so he went over all the pros and cons about the top 5 insurance companies and to my surprise mine was not one of them. He told me all about Trupanion and even had a video presentation explaining all the reasons why I should go with them. Now to be honest, I was a little skeptical thinking he must be affiliated with them in some way, when to my surprise he said, Trupanion will give you the first month for free and if I didn't like them I could cancel, no questions asked. Exactly one week later Emma has a Urinary tract infection. I took Emma to Dr. B who told me she was covered for 90% of the total bill, almost $800. He filled out all the paperwork, submitted it to Trupanion and in 10 minutes they approved the claim. I was floored. I hadn't even paid them do to the free month, so I was already ahead. Now I decided to compare the other company I had signed up with so I called and asked them a hypothetical. I said if my dog had a urinary tract infection would she be covered and If so for how much. The woman said when I submitted the claim they have to determine how much they believe the claim to be worth. In other words, they don't go by what the vet submits they go by what they believed it should cost. Wow! When Dr. B submitted the claim it was approved in less than 10 minutes and nothing but the 10% and my deductible were due. Nothing else out of pocket as Trupanion sent Dr. B 90% of what he submitted. This past week I took Emma in because she was limping. Dr. B took ex-rays and it showed possible elbow dysplasia, after sending them out for another opinion. I paid $350.00 and Dr. submitted it to Trupanion. Today when I got home there was a check for $160.00 from them because Trupanion accepted the claim. I can't believe how great they are. I love my dog and with Dr. B and of course Trupanion I no that Emma is in great hands. Dr. B is the best vet in Las Vegas, and Trupanion is the best insurance
5

out of 5

POSTED: | BY: Deborah Zipko

Great

They where amazing. Always there to answer any questions and the claim was settled very quickly. and direct deposited my check.
5

out of 5

POSTED: | BY: Lexi

Awesome!

My dog Chance was hit by a car 7 months ago and had to have an surgery then to repair a fracture and luxating tarsal joint. 6 weeks post-op the plate placed to repair the damages became severely infected and needed to be removed. The problem was, the plate could not be removed until the joint was stable on its own or until he was healthy. 7 months later, Chance had his second surgery. Both surgeries were covered by Trupanion and both times they got back to me almost immediately to say I was approved. When I had called with questions I got wonderful customer service. Chance is now doing wonderful!
5

out of 5

POSTED: | BY: Sharon Billings

Speedy processing, great customer service

The claim processing is quick and easy. Great service.
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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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