Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 77,532

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: Morty Pekar

A life saver

I didn't think I would survive e't believe I would have been able to save my Buster. The diagnosis was overwhelming and all I could think about is how am I going to be able to afford this on a pension income. My girlfriend convinced me to buy insurance a few months ago and that's the smartest thing I ever did. It's like winning an ongoing lottery. Buster has gone thru multiple surgeries to repair a difficult laceration.In addition he got infected and the only drug that fought this infection cost over $1000. How would I have been able to get him proper care if it wasn't for Trupanion. THANK YOU
5

out of 5

POSTED: | BY: Karolina Gruhs

Best insurance and care for your pet available!

Trupanion is an honest and very straight forward type of insurance. All you need to know is presented on the website in plain language without a maze of difficult to understand and confusing jargon. It's easy to sign up for and the flexibility in choice of coverage and premiums makes it affordable for all. I know people say 'just put away monthly that same amount you'd be spending on premiums and you'll be covered'. I can honestly say that is likely not going to happen (we all have expenses to cover) and the unfortunate costs of vet bills will always exceed the amount you can put away. There is another (among many) very important reason to get your pet family members insured. When you show up frantic (and most likely crying) at the vet clinic or hospital with your pet in an emergent state, the staff will begin to care for your pet immidiately when you tell them you are with Trupanion. Otherwise you have to wait for the exam and the scary estimate before you make the very large deposit and the work ensues. I can honestly say as a pet owner and a human emergency nurse, that is precious time you sometimes can't afford. The weight lifted off our hearts knowing our dogs very expensive treatment was going to be mostly covered and not having to extend our debt in an already very sad situation was literally priceless. She is now well and thriving after a very bleak diagnosis and initial expectation she wouldn't make it (more than once actually). Only because of the Trupanion care was our little Stella able to receive superb care. We have also learned how extensive veterinary medicine is, and how much potential there is for huge number of conditions to be treated. Lastly, the staff at Trupanion have ALWAYS been caring, compassionate and immidiately available. Human insurance companies could learn A LOT from these guys. I am truly grateful for this service and believe me, we pay the highest premium, by choice, and it is entirely worth it. We've done the math!
5

out of 5

POSTED: | BY: Heather Richards

There is none better than Trupanion

Trupanion has come through for our Bloodhound all year. He has had allergies, heart issues and multiple surgeries and they have paid all the claims without hesitation
5

out of 5

POSTED: | BY: Jill King

Lifesaver! The dogs and mine!

One of the best decisions I have made in my life! My sweet Ella is still with me after one full year of illness. Although the outcome is grim, I can give her the best treatment that I otherwise could not afford. Her monthly maintenance is in excess of $700.00. I am such a grateful believer in Trupanion that I have two other dogs also insured by Trupanion. I would recommend this company to everyone. I never have to make "that dreaded decision " based on the fact that I couldn't afford it. I will make that decision based solely on her quality of life! I owe her that!
5

out of 5

POSTED: | BY: Mike Vogel

Outstanding Product

I did a lot of research before buying pet insurance and this company seemed to stand out head and shoulders above the rest.Unfortunately our dog has many ongoing illnesses that he needs medication for and has had one major operation that we might not have been able to otherwise afford. After our $500 deductible was payed Trupanion has payed for 90% of all our medical expenses according to the terms of our policy. There have never been any problems or issues of contention and any dealings I have had with their customer service reps have been met with friendly courtesy and with a sincere desire to help.This is a fantastic product and I can't think of a single thing this company could be doing better.
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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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