Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 74,508

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: Sharon

Great Experience with Trupanion

I would highly recommend Trupanion insurance for pets and do recommend to my clients and friends. (I own a pet essentials business). One year after insuring my Pekingese with Trupanion, she developed Lymphoma. Trupanion has given me the option to extend Pendi's life significantly by treating her with chemotherapy for her cancer. They have paid as stated, 90% after my deductible, excluding office visits. This adds up to a significant amount of money that I could not have spent without insurance. I have found the customer service representatives helpful and caring about solutions to any concerns that I have. I am thankful that I chose this policy vs. other companies that pay some for well visits and "some" for major illnesses. I accept well visits when I adopt a rescue but my need is for catastrophic illnesses. The only reason I didn't give them a 10/10 is that each year they DO raise their premiums more than expected and not necessarily depending upon increased veterinary care cost increase but more so due to the claims they pay out. I am still happy with the insurance and would recommend above any other pet insurance company out there today, based on my experience with Trupanion.
5

out of 5

POSTED: | BY: Patti

Very Happy with Trupanion

We have put in several different claims with Trupanion on our Yorkshire Terrier puppy. One claim was for a Histiocytoma cytology & removal, which was a growth that was growing around her collar area, and getting bigger. Trupanion reimbursed us 90% of the amount. They processed the claim soon after it was received by them from our Vet via fax and emailed me with updates as to how the claim was progressing, which I think is great service. We got our check within 2 weeks. Another claim was for an extracted retained deciduous tooth. We were reimbursed 90% of the bill within one week!! They are GREAT!
5

out of 5

POSTED: | BY: Mindy

Quick response

Trupanion emailed me when they received my claim, and responded with a check promptly. I was very satisfied.
5

out of 5

POSTED: | BY: Reba

Simple and relief

After receiving a one month, zero deductible free trial our puppy had unknowingly ingested chicken bones. After a morning scare of him not moving, eating or drinking, diarhea and vomiting we took our little guy into the vet. Our puppy required a serious of diagnostic tests to find out the issue as well as an overnight stay our puppy was free to come home. Trupanion responded quickly to our claim. As a university student the bill was worrisome but Our vet bill was reduced by %90. The staff were so supportive and friendly and followed up numerous times to make sure our little guy was happy and healthy. At the end of our trial we had no doubt in our mind that we would continue coverage.
5

out of 5

POSTED: | BY: Charlotte

Great service, fast payment, but vet note required

Claims were both processed in 2 days and check received within a week.Only issue is that one drug was not covered. After calling, a vet note was required to cover that drug. The problem is that since the claim is closed now it's going through an appeal etc... would have preferred to have been contacted to get the fax from the vet before the claim was closed.
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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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