Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 77,160

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: Joannie

So responsive and caring!

My cat has been treated for allergies for the longest time. Your response time on my claims has been phenomenal. You are much better than my health insurer! I will always be a loyal customer and I recommend you any chance I get. Keep up the good work!!
5

out of 5

POSTED: | BY: Amy

Amazing

I have written several reviews for Trupanion and will continue to do so. They are amazing - everyone who answers the phone is kind and helpful, they work with you to get claims resolved quickly. I recently had some surgery for my dog, Yoshi and they worked with me and the vet clinic to get the surgery pre-approved so my only out of pocket was my 10% as I have met the deductible. I cannot say enough good things about them. It is rare that a company does what they say they will with generosity, kindness and caring - they do. Trupanion is the best. I would recommend everyone get Trupanion for the pet companions.
3

out of 5

POSTED: | BY: Donna

Good insurance but READ YOUR POLICY AND AMENDMENTS EVERY YEAR!!!

I am so pleased that I signed up our rescued German Shepherd dog for a Trupanion policy at the urging of a vet tech who had examples of people who could have benefited from having pet insurance. I really signed up just to check it out further, got home, compared lots of companies and decided to go for it. Our dog ended up being diagnosed for Inflammatory Bowel Disease about a year later, needing tests, special food and meds. The claims process is very easy. I was charged two $250 deductibles because I made mention of an odor to his urine while they were trying to diagnose him, and the claims adjuster read this in the notes decided he had two conditions at that point. No biggie, we had big claims so that's okay, but good to keep in mind. So when this all came down, I called Trupanion customer service and asked them how the special food worked. They said that they pay for a period of time at 50% and then after that, if the dog is on that food for the rest of his life, they give a small premium discount. The discount never came through, so I called and asked about this, and they said that I didn't request the discount, since they didn't document this phone conversation, so I don't get it, and that the discount is going away with the new policy period anyway since we're being 'upgraded' to a new policy this year. Then I received a 75% increase this year. I had read when we enrolled that the increases are capped at 20%. So I called in and spoke with someone who explained that in our state, we have a separate amendatory adjustment (CA) that we needed to read together to find where it says "paragraph XX is removed in its entirety". That paragraph is the paragraph that states that the increases are capped at 20%. So, even though I had read the policy about 5 times to be sure I knew what was going on and wouldn't cause loopholes for non-payment, I hadn't read it carefully enough- read with a fine tooth comb and compare back and forth between the policy and the amendatory adjustment so you know what to expect. I still like Trupanion though I don't feel that they're quite as straightforward as I felt at the beginning of the process due to the "you didn't request it because we didn't make a record of the conversation" and due to the sneaky amendatory adjustments with only paragraph numbers and no real words to explain. I guess that's par for the course for insurance carriers. They do pay claims in a speedy fashion once they have established what's going on medically- my initial large claims took a couple of months to pay but now that we're on routine meds they are very immediate.
5

out of 5

POSTED: | BY: Julie

Comforting!

Our precious 15 year old, Bichon suffered a seizure late on a Saturday night. We rushed her to an emergency pet hospital for care. She was there over night and the next day. She had numerous tests over the next week and Trupanion was there every step of the way. We received the first cheque even before all the tests were completed and we appreciated the peace of mind. Trupanion gave us very quick service which helped us give the care our dog needed.
5

out of 5

POSTED: | BY: Heather McBride

Thank you

All of the claims have been managed quickly. Coverage was everything we expected.

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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