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: Cecilia J. Ihlo-Damian

Must Have & 100% Happy with It

I have my 2 chihuahuas covered with $0 deductible. Had to use Trupanion twice & both times got everything covered & on top of that so far every time I called everyone was so friendly, helpful and caring. They even called me to find out how my furbabies were doing after I had to file a claim. If you want pet insurance Trupanion is the best in my opinion. And to everyone who works for Trupanion A BIG THANK YOU FOR ALL OF YOU ♡♡♡♡
5

out of 5

POSTED: | BY: Kate

Every pet owner should have insurance!!

With all of the dogs (18) that I have had over the years I have never purchased insurance. In June 2016 we purchased our first Bernese Mt. Dog puppy who was 9 weeks old at the time. During our first vet visit, our Doctor recommended that we try Trupanion for their 30-day trial period because with puppies...you never know what can go wrong! Well, we enrolled right after the trial period was over. We opted for the full coverage plus we added extras like hydrotherapy treatments etc., with the anticipation that our Bernese may get arthritis when he is older. We pay a $0 deductible and almost $180 per month. From what I understand, prices not only vary with breeds and age but also vary throughout the country as far as what vets charge etc., We live in NJ so everything seems to be more expensive :( That being said, this past week, our 11 month puppy decided to gulp down one of our baby's bib...one big gulp and I couldn't stick my hand down his throat fast enough to reach it. I tried to induce vomiting but without any luck. I called my vet and Trupanion right away. I told Trupanion my situation and they pre-approved a ballpark amount for the possibility of surgery/vet stay etc., The following day we went to the vet for scans of his stomach etc., There were definitely compacted materials in his stomach so the vet and I discussed options for surgeries. Being the least invasive, I opted to try Endoscopic so that my poor puppy didn't have to be cut open. I had to go to a another vet besides my usual one. This was a special 24hr. vet with specialist so I made the call to Trupanion to tell them that I had to travel to another vet for the surgery etc., and they were updated on all of the info. and I wanted to make sure that everything would still be covered. I should also mention that all of this is going on in the evening and I wound up being at the vet from 5pm to almost 1am and every time I was able to speak with a representative and they were able to get after-hours approval for additional tests etc., The vet ended up pulling out the whole bib plus a couple of my husbands black sport socks (what???) and our puppy is recovering beautifully. I cannot be more thankful for having pet insurance like Trupanion. $180 a month is no small amount of change...and yes, there are definitely some months were I thought "why are we paying for this, we could use that money for something else!". Honestly, this surgery with the scans, anesthesia, actual surgery and recovery c
5

out of 5

POSTED: | BY: Karen Douglas

A must for alk pet parents!

Trupanion is amazing! They have really helped keep my furry-faced children in good care and have never questioned a submission. I never have to worry about the cost of a procedure or test. They allowed me an extra summer with my special little guy (he needed special food, regular visits, and medication) and I will always be grateful.
5

out of 5

POSTED: | BY: Jennifer

Excellent

Friendly and helpful services.
5

out of 5

POSTED: | BY: Gary

Great Customer Service

Trupanion has the best customer service of any service-oriented company that I've dealt with over the last five years! Trupanion is prompt and efficient inn settling claims and is extremely user-friendly. Trupanion is by far the best insurance for your pet(s)!!!

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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