Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 76,593

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: Mary Zeplin

emergency clinic and surgery

My dog had to have surgery to remove a tube sock that she ate whole. It couldn't pass and blocked the area that the stomach feeds into the intestines. The bills to my vet were addressed right away. Just yesterday I received compensation for surgergy. However, during this event we had to take her to an emergency center on a Sunday when my vet was closed. The bill for this has yet to be addressed. I sent an email to the person who handled my claim explaining the timeline and who saw my dog and the fact that the emergency center bill has yet to be addressed. The Trupanion person did not reply to my email. I recently sent a second copy of the bill and claim form to Trupanion for the emergency visit. I would have rated Turpanion as a 10 if not for this problem.
5

out of 5

POSTED: | BY: Bill Long

First claim

We have had the Trupanion insurance for 3 years now and had to submit our very first claim. It was so easy and hassle free. Our Vet faxed over the necessary claim form and within 48 hours we had received email notification that the claim was received and being reviewed. A few days after that we received notification that the claim was approved and what the reimbursement would be. We then received the reimbursement check about a week later. I would recommend this insurance to everyone.
5

out of 5

POSTED: | BY: Amy McQuade

Must have for puppies!

When I adopted Riley two years ago, a good friend suggested that I get pet insurance. I honestly didn't think I would need it with a such a young dog. Thankfully I signed up with Trupanion, it's turned out to be one of the best decisions for the health of my dog and my pocket book. What I thought was a a leg injury turned out to be severe brain swelling. Luckily Riley is receiving treatment from the best of the best and I don't have to make decisions based on money. I filed his claim and less than a week later, I received approval with a message that the check was in the mail.
5

out of 5

POSTED: | BY: Linda

a very very good insurance

Trupanion has taken care of our 10month old border collie girl and reimbursed our expenses very well. They do take a long time to send out the reimbursement check from the time they e mail you that it's being sent out; but they cover well. Their customer service is great on the telephone too.
5

out of 5

POSTED: | BY: Emily

Great coverage, premium hikes are absurd though

We have had pet insurance for our French bulldog since he was three months old. He has had one major surgery (brachycephalic airway surgery) and also a major ear infection caused by skin allergies. Both of these health issues would have cost us thousands of dollars out of pocket. Trupanion's coverage has saved us a ton of money. They pay their claims very quickly (usually I get a response within a day or two of the vet submitting the receipt and payment by check two weeks later) and we have never had an issue with getting reimbursed for his health issues. My one complaint with Trupanion is that their annual premium hikes are extremely high. We had the same rate for our first two years of coverage and as our policy is set to renew, our premium has increased by over twenty percent!! They claim that this is because of rising healthcare costs in our state (NY), but we haven't certainly noticed those level of increases. We would recommend Trupanion, but buyer should beware that your premiums can increase quite dramatically from year to year. For a dog prone to health issues like a French bulldog, pet insurance is an absolute must.
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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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