Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 76,404

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: Cheryl Holmes

Thank goodness for TruPanion.

Thank goodness for TruPanion. We have now had to submit two claims for Molly, the first one a life threatening ingestion of unknown origin that caused her to be hospitalized with a bill for close to $2000. Then she tore her cruciate ligament jumping onto an icy patch and during the healing time tore her meniscus- double whammy with two separate surgeries required. These two veterinary costs came to over $5000 in total, money we don't have so again, thank goodness for TruPanion! Our girl will recover soon and be back to her active happy self!
5

out of 5

POSTED: | BY: Melisa Headman

Excellent pet insurance in many ways

I've had Trupanion for my 2 dogs since 2011. One of my dogs, Jax has had 2 surgeries to remove a mast cell tumor & I was so thankful to have this insurance. This last year had been extremely tough as we found out in March our other dog, Zoe had a tumor in her intestines & carcinoma on her liver. The specialty vet wanted to due emergency surgery to try & remove the tumor. I had to pay $8k up front. I did not hesitate knowing I had insurance. Unfortunately they were not able to remove the tumor & we recently lost our beloved Zoe on Aug. 11th. Trupanion has been very compassionate through this process. I couldn't have asked for a better experience. They are always quick to respond & process my claims. I always refer them to everyone I talk when we discuss our pets. They are the best!!!
5

out of 5

POSTED: | BY: Madeline Falcone

Claim was submitted and settled in no time!

After my dog Colby was seen at our vet, I received an email that very same day from Trupanion, informing me that the claim was already being reviewed. I then received a check in the mail just about a week later. I have always been very impressed and pleased at the level of efficiency this company has shown me. I have also recommended Trupanion to several of my friends who have pets. Keep up the good work!
5

out of 5

POSTED: | BY: Mindy

Couldn't be happier

I have been with Trupanion for almost 5 years now. My dog has needed 3 surgeries on her leg and I couldn't be happier with the service with trupanion. They process the claims promptly, they follow up with emails. I truly believe I have an insurance for my pet that really "cares about my dog" it's great to know. In the time of a difficult and emotional event for your dog. Financially I do. It have to worry because trupanion is there to protect my pet and her financial needs.
5

out of 5

POSTED: | BY: Gary Chiasson

cataract Surgery

Trupanion has been great at covering the medical expenses for our dog. He has had many medical conditions including going blind because of cataracts. Surgery to correct this condition was covered by Trupanion and we were re-imbursed the portion they covered in 3 days. Awesome insurance company.

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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