Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 77,346

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: Shae and Betsy

Excellent coverage!

Our vet talked us into getting insurance when we first got our dog Mowgli. It was something we never thought we would have to use until he got hit by a car. Mowgli got the best care that we could get him and Trupanion came through paying for 90 percent of our vet bills. If you do not have pet insurance you should consider Trupanion.
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1

out of 5

POSTED: | BY: Growl

Premium Doubled, Rules Change As They Go Along

We selected Trupanion because they were supposed to cover more than other insurance companies, and said they do not raise the rates as the pet ages. Our first few claims were paid as expected. We thought great, they operate just as they promised. Then after several months, they stopped paying when my dog had a few ear infections. They claimed it suddenly had become a pre-existing condition. If it wasn’t pre-existing when the policy began, why was it several months into the policy? When my dog developed an intestinal problem, they helped pay for the prescription food. After a couple of months, they said they had changed the policy, and they are limiting prescription food coverage to 60 days. Now after having the policy for a couple of years, the premium almost doubled ($55 to $100 per month). Their explanation is they were behind on rate increases, and they need to catch up so they can match their revenues to their expenditures. So if you decide to purchase this insurance, be prepared to have them change the rules as the game goes along. Once your pet gets older and needs more medical treatment, the policy will likely be too expensive to afford.
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5

out of 5

POSTED: | BY: Donna

Awesome

You guys are the best my dog recently had to have surgery you covered 90 percent if I had not had insurance I might not of been able to save him he is healing and is doing great. I couldn't have done it without trupanion. Thank you so much!
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5

out of 5

POSTED: | BY: Patty

Efficient

We were virtually new customers and they communicated with us regarding our claim status. In less than 1 month our claim was settled and our reimbursement check was in the bank. Stress free claim process during a very difficult time for us.
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4

out of 5

POSTED: | BY: Kate Garner

When my dog Jelly was

When my dog Jelly was extremely sick from something he had ingested and had to go to emergency Trupanion didn't want to pay for the coasts they said he had a pre-exixting condition. I had to back to his previous foster parents and to the pound he was in before being fostered to prove that he was a healthy dog. In the end they paid the expenses. A month ago my dog Jelly was attacked by a German Shepherd and nearly died. He was in intensive care for 3 weeks and is still undergoing treatment. The medical bills are over 11,000 and ongoing. I'm waiting to see how Trupanion handle the claim before forming my opinion of them. Online and word of mouth they get good reviews.
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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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