Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 64,745

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
2

out of 5

POSTED: | BY: Diane Watkins

Pre-existing condition? Go elsewhere.

Do not bother if your pet has ANY pre-existing condition. When I enrolled my cat, he had heart disease, but it was in the early stages and being managed with medication. My initial experiences with Trupanion were positive. However, two years ago they started increasing my premiums and denying all of my claims. They increased my premium by over 60% while denying every claim I submitted. When it came time to put my cat to sleep, they denied my claim to cover the euthanasia. Again, they stated that he had a pre-existing condition so even euthanasia would not be covered. I suppose if you get coverage for your pet the moment they are born, it will work out for you; but if there is anything in your pet's past they can point to as a pre-existing condition, then go somewhere else. I feel like I have just thrown my money away, and now my baby is gone.
Read more on Trustpilot
2

out of 5

POSTED: | BY: Diane Watkins

Pre-existing condition? Go elsewhere.

Do not bother if your pet has ANY pre-existing condition. When I enrolled my cat, he had heart disease, but it was in the early stages and being managed with medication. My initial experiences with Trupanion were positive. However, two years ago they started increasing my premiums and denying all of my claims. They increased my premium by over 60% while denying every claim I submitted. When it came time to put my cat to sleep, they denied my claim to cover the euthanasia. Again, they stated that he had a pre-existing condition so even euthanasia would not be covered. I suppose if you get coverage for your pet the moment they are born, it will work out for you; but if there is anything in your pet's past they can point to as a pre-existing condition, then go somewhere else. I feel like I have just thrown my money away, and now my baby is gone.
Read more on Trustpilot
2

out of 5

POSTED: | BY: Diane Watkins

Pre-existing condition? Go elsewhere.

Do not bother if your pet has ANY pre-existing condition. When I enrolled my cat, he had heart disease, but it was in the early stages and being managed with medication. My initial experiences with Trupanion were positive. However, two years ago they started increasing my premiums and denying all of my claims. They increased my premium by over 60% while denying every claim I submitted. When it came time to put my cat to sleep, they denied my claim to cover the euthanasia. Again, they stated that he had a pre-existing condition so even euthanasia would not be covered. I suppose if you get coverage for your pet the moment they are born, it will work out for you; but if there is anything in your pet's past they can point to as a pre-existing condition, then go somewhere else. I feel like I have just thrown my money away, and now my baby is gone.
Read more on Trustpilot
2

out of 5

POSTED: | BY: Diane Watkins

Pre-existing condition? Go elsewhere.

Do not bother if your pet has ANY pre-existing condition. When I enrolled my cat, he had heart disease, but it was in the early stages and being managed with medication. My initial experiences with Trupanion were positive. However, two years ago they started increasing my premiums and denying all of my claims. They increased my premium by over 60% while denying every claim I submitted. When it came time to put my cat to sleep, they denied my claim to cover the euthanasia. Again, they stated that he had a pre-existing condition so even euthanasia would not be covered. I suppose if you get coverage for your pet the moment they are born, it will work out for you; but if there is anything in your pet's past they can point to as a pre-existing condition, then go somewhere else. I feel like I have just thrown my money away, and now my baby is gone.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Deborah

Beware of multiple claim processing errors …

Trupanion has processed my claims incorrectly on multiple occasions, assigning claims to different deductibles other than what is specified on the claim submission. This matter is a great deal because Trupanion pays benefits based on whether you have met a deductible per condition. So when they classify one condition under one deductible for one vet visit and under another deductible for another vet visit for the same condition, you are not making progress toward your lifetime deductible for that condition. Most recently, they split my claim submission into two deductibles, adding a condition that was completely unrelated to the vet visit. The two customer service agents I spoke with refused to correct it and are forcing my vet to appeal the decision. I asked to speak with a high-level manager and was told this would take 5 to 7 days. The customer service agent would not provide me with the name of her manager. She said she did not know the name of the person who would be reaching out. She also told me that I could avoid these errors in the future by submitting vet records with my claims. Isn’t that the job of the claims processor? To request records if they have a question about the claim? They also denied a legitimate claim thatI am also forced to file an appeal for. In that instance, the deductible had been met, but they are claiming it is a completely separate condition. This insurance company has been a disappointment overall, and the continued claims errors and refusal to address their claims processing mistakes takes my dissatisfaction to a whole new level.
Read more on Trustpilot
Please leave a review

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
Provider website

Get a quote today

Leave a review