Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 76,593

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: Susan

really impressed, pleased, and grateful we got trupanion for our new puppy

our vet suggested trupanion when we had our first wellness checkup with our new puppy because he had been impressed with how they treated other patients/clients at his veterinary clinic..... boy are we glad we did..... our wonderfully healthy new puppy has turned out to have a sensitive body & has had a number of medical problems in our 1st year that landed her in the hospital a few times..... trupanion has been incredibly responsive.... it is easy.... my vet sends in paperwork..... i hear right away that it was received & is being processed.... a check comes a week or 2 later! .... one time... for a large hospital reimbursement we did not receive payment.... when i called to check on it they told me it had been mailed a few weeks earlier & when i said i never got it..... i had a new check in about a week..... we are really happy we have them :)))) thank you!!!
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5

out of 5

POSTED: | BY: Sara Ochs

Trupanion Saved the Day (after hours Labor Day)

We were warned that puppies are expensive, but we decided to pull the trigger anyways! We had only had little Remy for a few weeks when he got super sick on Sunday night of Labor Day weekend when our new vet was already closed...until Tuesday! We rushed him to an unknown after hours clinic where we were advised that if we didn't leave him overnight he may not make it (dehydration that main concern for the 9 lb. puppy). Leaving him overnight at a foreign place was nerve wracking enough, but they ensured us that the took Trupanion and that they are the best coverage they had seen. So that was comforting. Sure enough they were right! Trupanion coveraged exactly what they promised (90%)! And they dealt directly with the clinic so we didn't even have to pay out of pocket to get reimbursed. So easy! I called customer service a few times to get my insurance number and confirm coverage and they were SO nice! Overall incredible insurance experience and little Remy is doing great!
5

out of 5

POSTED: | BY: Tamitha Betti

Always Impressed with Trupanion!!

I've had Trupanion for 6 years now and have 7 animals insured. My 17 year old cat has Hyperthyroid and, as a result, has ongoing issues. Trupanion has always taken care of the claims quickly. I can't stress enough...DO NOT WAIT UNTIL YOUR ANIMAL IS ILL TO GET INSURANCE. IF you insure them immediately upon adoption/purchase you'll love dealing with this company. I have always had more than a pleasant experience with them. For years I didn't have to make claims, however, over the last 12 months I've had claims paid on 5 of my 7 animals. The overall amount paid out by Trupanion was over $12,000. These policies allow me to provide top notch care for my fur kids :) The staff are ALWAYS wonderful to deal with and nice to chat with. IF you are shopping for insurance please consider this company...you won't be disappointed!
5

out of 5

POSTED: | BY: sheryl

Fast and efficient

My Henry has had numerous claims with Trupanion. The most recent have been within the last two weeks. He had pneumonia and then a few days later was hospitalized with pancreatitis. Trupanion handled my claim quickly and efficiently. There was a small error where they forgot to include medications in the payment but one phone call and it was taken care of right away. Henry also has epilepsy and every claim relating to his epilepsy is handled promptly. Customer service reps are always pleasant and easy to talk to.
5

out of 5

POSTED: | BY: Lauren Gargano

Excellent

My Greyhound initially went in for a broken leg last year. March 2014. He was in an external fixator for seven months, followed by Osteo bone cancer and needed his leg amputated. Following amputatiom he has been on chemo and is ongoing. Throughout this entire procedure, Trupanion has been excellent and has gone beyond my expectations. They have helped make a horrible situation better by providing us excellent service, compassion and handling everything in an extremely timely manner. I submit them a claim via email as within the same day or following day they responded with an apology and that they are working on the claim. Then by the following day they send me another email saying the check is on its way! From the time I submit my claim to receipt of check it's usually within one week, quite unbelievable! Also since this is continuing claim even though a year prior I have only had to pay my deductible upon the original injury and then 10% of each claim. I have been going to an animal specialty hospital since March 2014, sometimes three times a week and for the first seven months between two and three times a week and now going once a month. I've met so many people and heard about their financial problems concerning their pets injuries and it's amazing to me how many of them do not know about pet insurance or have had bad experiences with it. Trupanion I have spread the word and spoken very highly of you so out of your kindness and generosity , I hope more of these people come to you so they can afford to take care of their beloved pets. Words cannot thank you enough
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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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