Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 76,215

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: Terrie

great at claims

very thorough and get back to you about claims right away. However, I am still waiting to hear back about an email I wrote to them- not so good at answering emails as letting you know the status of your claim.
5

out of 5

POSTED: | BY: C.

Smooth & correct payment

Last summer, our 1y old cat was diagnosed with FIP (or rather, at that time, suspicion of FIP). She recovered of some of her initial symptoms, thanks to the excellent care of our vets (AMC NYC), where at some point she even appeared to in excellent condition again... Yet the past few weeks her condition declined so badly that eventually she was no longer able to walk and stopped eating. Finally, we had to make the difficult decision to opt for euthanasia. But thanks to the excellent service and hassle-free paybacks of Trupanion, we are confident we have been able to explore all possible options. Because of our Trupanion insurance, we could focus on giving our pet the best possible treatment, without having to worry too much about the financial implications. We are truly grateful for how smoothly Trupanion handled our claims, amounting to a few USD 1000s in total.
5

out of 5

POSTED: | BY: Margaret

Outstanding Insurer

Everyone told us pet insurance was a waste of money. After a few years of vet's bills, however, we decided that the peace of mind was worth a few dollars each month to avoid the possibility of an excruciating decision down the road. Trupanion was one of several companies we considered. We have been completely satisfied with them; I only wish our other insurance companies were so responsive, service oriented, and reasonable. Our beagle is now almost 7 years old and was diagnosed with Cushing's disease about a year ago. Trupanion didn't blink; they have met all the responsibilities they committed to meet quickly and accurately. And they haven't jacked up our premiums to the hilt as a result of regular claims. A first-rate company. We couldn't be more pleased.
5

out of 5

POSTED: | BY: L. Flores

Trupanion is fantastic!

Trupanion is great. The representatives I spoke to were sensitive and professional. It was my first time filing a claim and I was impressed with the speed my claim was processed.
5

out of 5

POSTED: | BY: Kathryn Taylor

Great Experience

I am RVT with 27 years of experience. I had to takeep my 9 month old Brussels mix to the emergency for foreign body ingestion. My first claim ever and very pleased with the outcome. Not only was my fog ok Trupanion proceseed my claim the next day and had the check on its way. The staff was great helping me file it since I had never done it before. I would recommend Trupanion to ALL of my clients.
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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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