Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 73,935

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: Carol

Outstanding

I have a 3 1/2 month old Goldendoodle 'Georgie'.He had been experiencing diarrhea for about 5 days so I took him to his vet.Georgie needed a number of tests to be run and also needed to be put on medication. The total bill was hundreds of dollars and my claim was settled in about 1 week. The peace of mind that being with Trupanion gives me is wonderful. I never have to second guess that my dogs health can be taken care of and the speed at which my claim was handled was second to none.Thank you very much.
5

out of 5

POSTED: | BY: Lynne Irwin

The Best

I have two Golden Doodle puppies who will be puppies and in the first year I have had a bout of urinary infections and diarrhea and a very unfortunate incident in which one of them swallowed a sock that almost cut her intestine in half. Trupanion handled all claims professionally, quickly and fairly. It is very comforting to be with a company that has the coverage Trupanion does and knows how we pet owners treat our animals as members of our family.
5

out of 5

POSTED: | BY: Sharon

Prompt, fair, and professional service. Pleased.

Ingested poison, treated immediately. Claim submitted and settled in a timely and professional manner. This is the second claim I have submitted in Chimo's 6 years and both were handled fairly and to my complete satisfaction.
5

out of 5

POSTED: | BY: Pamela

Excellent customer service

The customer service was exceptional. I received a call from a Trupanion rep. to let me know that my fax wasn't clear and readable which gave me the opportunity to send a new fax and facilitate my claim. My claim was resolved very quickly with the reimbursement that I expected! I have and will recommend Trupanion insurance. Thank you.
5

out of 5

POSTED: | BY: Laura Savard

One Happy Dalmatian Owner!

I have a 1 year old Dalmatian named Brooklyn. 1 year old exactly, her birthday is today! As you may know, Dalmatians have a ton of energy, and ours brings new meaning to that description. We've had MANY emergency vet visits with Brooklyn. From a split open head at 3 months to two teeth being extracted because she collided with another dog and broke them, and several others instances, Trupanion has been there for us each and every time without question! These claims were each in the $100-$600 range. The claims process is stupid simple and the one-page form can be filled out by any five year old. All we have to do is provide our vet with the form and they submit the claim for us. Within about two weeks we have a check for 90% of the costs (not including the actual visit fee, which isn't covered). The one time I had to call Trupanion, when Brooklyn lost her ID tags, the customer service rep was one of the nicest reps I've dealt with ever. Anyway, I'm sure you can see that I think Trupanion is the greatest. I only wish they were around when I had my last Dalmation!

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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