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
1

out of 5

POSTED: | BY: Cathy

FRUSTRATED WITH TRUPANION

This is our 3rd claim that has been DENIED by trupanion. This time it if for a new episode of cough, unrelated to kennel cough 6 months ago, and they denied the claim saying it was "there before." They treated this cough with antibiotics also, but our dog is vaccinated for kennel cough now and this is a new episode. I actually thought she could be joking on something. Today I received an email denying my claim. At this rate, it will be cheaper to stop the insurance and just pay cash. I am VERY DISAPPOINTED with trupanion. Oh, and I'm a doctor. So I know how this insurance thing should work.
1

out of 5

POSTED: | BY: JERRY MIXON

NOT WORTH THE COST OR HEADACHE

(Short story) READ, READ READ THE FINE PRINT, AND ASK ASK ASK QUESTIONS AND GET THEM TO EMAIL THEIR ANSWERS TO YOU OTHERWISE YOU ARE UP THE CREEK WITHOUT A PADDLE. PRE EXISTING HAS A WIDE DEFINITION IN THIS COMPANY. WE HAD WEIGHED OUT MANY OPTIONS ON PET INSURANCE AND AFTER TALKING TO A REP AND GOING THROUGH THE HISTORY OF ONE OF OUR PETS AND POSSIBLE FUTURE THINGS THAT CONCERNED US WE WERE LED TO BELIEVE THAT WE REALLY HAD NO WORRIES OF ANYTHING PRE EXISTING EXCEPT FOR THE ONE SURGERY OUR DOG HAD. HA HA HA HA HA LAUGH ON US. OUR DOG HAD ANOTHER NECK INJURY BUT A DIFFERENT AREA AND GUESS WHAT, IT WAS CONSIDERED PRE EXISTING! THEY DIDN'T PAY THE CLAIM AND I HAD ALREADY INVESTED NEARLY $2000 IN THIS POLICY. AND THE WAIT TIME FOR AN ANSWER WAS RIDICULOUS NEARLY 4 WEEKS. AN ARTICLE CAME OUT IN THE NY TIMES LAST MONTH (FEB 17) I SAY FIND IT AND READ IT. ITS ABOUT PET INSURANCE AND THE OUTCOME OF THEIR RESEARCH INTO THE PET INSURANCE COMPANIES, IT SAYS YOU ACTUALLY COME OUT AHEAD BY SETTING UP AN EMERGENCY FUND FOR YOUR PETS TAKE THE PREMIUM YOU WOULD PAY THE INSURANCE COMPANY AND PUT INTO A SAVINGS. THERE IS ALWAYS A GAMBLE WITH INSURANCE, BUT WHY GAMBLE. ITS NOT WORTH THE TIME OR EFFORT ESPECIALLY BECAUSE YOU KNOW THE OUTCOME. D E N I E D!!!!! SAVE YOUR MONEY, INVEST IN YOUR PETS AND DONT GAMBLE IT ON INSURANCE. ****READ THE REVIEW FROM AUG 9TH A VETERINARIAN PROPECTIVE. INTERESTING AGAIN ON PRE-EXISTING !
5

out of 5

POSTED: | BY: michele garland

the very bestin finanacial & prfessional

I can always count on trupanion to handle my claims promptly & without any problems. the staff is friendly, knowledgeble, & professional. they even deposit the money directly in my bank account.
5

out of 5

POSTED: | BY: Andrew

This is a awesome copany

They went above and beyond to help my dog who swallowed something that was in his intestines I recommend them to everyone can't thank them enough very caring people
5

out of 5

POSTED: | BY: Ralph

Best insurance company in the world.

I am over 70 years of age and have never dealt with such a great company before my recent experience with Trupanion. The level of service was unbelievable. And my claim was quickly and professionally processed and paid.

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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