Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 76,782

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: Debbie

Trupanion delivers

We have a Rottweiler insured with Trupanion and unfortunately he has had a hip replacement, crochet ligament surgery and has a lesion on his spine causing him to not feel his back legs. Trupanion has covered the claims without a moment's hesitation, helping us to take care of our beloved family member. I use a credit card and before the bill arrives, the check from Trupanion arrives. Highly recommend this to anyone with a pet. Veterinary bills are very expensive and I never want to have to choose between taking care of our dog or paying the bills.
5

out of 5

POSTED: | BY: Amy Malone

Trupanion saved my dog's life!

Our dog, Veda, was born with severe hip dysplasia. She needed multiple surgeries and years of therapy. In addition, her holistic vet has been crucial to her recovery and quality of life. Trupanion has supported our family through it all! There is no doubt in our minds, we wouldn't have been able to afford all of the care Veda needed without Trupanion and are forever grateful. We will never again have pets without Trupanion pet insurance. We now have four and ALL have Trupanion!
5

out of 5

POSTED: | BY: Judith Crosbie

Excellent Experience

Trupanion was very helpful when my young cat has an obstruction in her stomach and needed surgery to remove this item.They settled the claim very quickly, in this case, without waiting for all the vet records to be sent to them. Thankfully I had the coverage and was able to instruct the vet to go ahead with the surgery quickly which saved my lovely 3 year old kitty.
5

out of 5

POSTED: | BY: Agathe

There for us, once again!

For the 3rd time in six year, my dog Ozzy ended up in a life threatening situation. Just as I can rely on his fantastic vet to look after him, I was also able to rely, once again, on Trupanion to make the treatment decisions easy. As always, the no non-sense claim adjudication process took place and within 48 hours, I was reimbursed for the surgery and drug costs needed to get my Ozzy back on his feet. The peace of mind that comes with dealing with Trupanion is second to none. This insurance coverage is as essential as a daily walk to the park!
5

out of 5

POSTED: | BY: Pat Nelson

The Best Service

Fast. Informative. No Hassle. I faxed the claim late one night and had responses the next day. Trupanion stayed in touch via email every step of the way. They just had to wait for my vets to send invoices. A few days later, they had received invoices and we received payment for our claim. I wish medical insurance claims for people could be as painless. I would never get another pet without getting Trupanion insurance.

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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