Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 73,550

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: Geoffrey

Trupanion has been a "true financial companion"

In November, we rescued our first puppy, Katie. She is a beautiful beagle-mix, so sweet, and healthy (so we thought.) I am NOT a fan of insurance, but ourvet recommended Trupanion and they were offering a 30-day free trial, so we signed up. Just at the end of the trial period, Katie developed cherry eye, and we continued with the insurance to see how it would work. It has been four months now, and Trupanion has been a "true financial companion" for us. Within a few days of submitting a claim, we receive an email letting us know they received it, then an email that it's been approved, and then a check in the mail a week later. We (unfortunately) have had several claims in the last 3 months, and Trupanion has been efficient and responsive. Having a sick puppy is stressful enough. Knowing that 90% of the health bills are being covered helps alleviate some of that stress. THANK YOU!
5

out of 5

POSTED: | BY: Diana Alex

Best Pet Insurance !!!!!

I have a newly adopted Catahoula Leopard Dog who is absolutely gorgeous and absolutely a handful! Thankfully I had enough sense to get pet insurance a few months after adopting her and was recommended Trupanion through my vet. Little did I know that injuries and mishaps would soon follow at a HUGE cost! I would literally be flat broke if it wasn't for this insurance company. My dog is now healing wonderfully after having expensive shoulder surgery which involved xrays, mri, and the surgery itself. The reimbursement is stellar and they have a very quick turnaround time. Definitely the best pet insurance I've heard and one that I'll NEVER be without!
5

out of 5

POSTED: | BY: Phil

Prompt accurate and efficent

Well in excess of 30 cheques issued and delivered over the last two and a half months and all in record time. Only had one claim put under review and the total claims were well over $13,000 again over the last two and a half months. Never once were we or the Vets questioned which provided great relief and ease of moving forward with treatments.
5

out of 5

POSTED: | BY: Nandita Chandra

Best Dog Insurance ever!

Our dog was diagnosed with Pulmonary hypertension, PDA, Tricuspid Valve Dysplasia and other complications secondary to these over 6 weeks ago. His tests and medication alone have been about $20,000. Trupanian has been a lifesaving angel and have covered over $17500 of this amount.Before we got our first claim cheque, we thought that dog insurance was a joke and the company would cover barely anything. We were wrong! While Trupanian does not cover consultations, they have covered 90% of the cost of procedures and medication. We HIGHLY RECOMMEND Trupanian to all dog lovers and owners and are very grateful for their servces.
5

out of 5

POSTED: | BY: Allie

Allows the love and care Zorro deserves

I got Trupanion when Zorro first came home and have never doubted that choice or decision or what it has cost me each month it has provided me in reassurance a million times over making it worth every penny. I love being able to get advance approval for those non emergency incidents and have never had a request denied, or questioned. The process for claim is easy and the payments come so quickly. I have friends who where insured with another company and wait months for payment on claims, oh no I dont think so. Never more than a week with any claim Ive filed with Trupanion. The peace of mind is worth every penny, and the knowledge that no matter what happens the decision I make will not have to be focused on the bottom line!!
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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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