Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 74,889

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: Kelly

Great experience

When we first got our dog as a puppy two years ago, we decided to insure him (since he got into everything!)...at the same time, we insured our cat Max who was 8 1/2 at the time. I was nervous they wouldn't want to insure him because of his age, but it was no problem. A year and a half later, Max had congestive heart failure. Long story short, we were able to control the problem quite well with medication for about 6 months before having to let him go. During that time, he had two echocardiograms, fluid drained from his lungs twice, and multiple x-rays, among other things. Trupanion reimbursed us for nearly everything, and the process was a piece of cake. What's more, the insurance agent who processed our final claim for Max noticed that "Euthanaisa" was included...and took it upon herself to contact customer service and have them cancel his policy, effective the date we put him to sleep. I was so grateful for that...for some reason, the idea of cancelling his policy upset me too much to do it right away, so I figured we would just pay the extra month's premium. As it turns out, I didn't have to do anything - they took care of it all. I was iffy about paying insurance for our pets, but I'm so glad we did...now I recommend them to everyone.
5

out of 5

POSTED: | BY: Laura Jones

excellent

I received excellent service from the Trupanion company. They helped me in a stressful situation with my Akita who broke a canine and needed to see a dental specialist for a root canal. They were very helpful and supportive and kept me informed during the whole process. I would definitely recommend them to all my friends and family for their pet needs.
5

out of 5

POSTED: | BY: Al

Great service

Trupanion has been great to deal with. Always accessible and helpful
5

out of 5

POSTED: | BY: Michael, Lexington

Easy, Fast, Friendly, Worry-free

Trupanion is a pleasure to work with. My questions are always answered, and I was paid the benefits (after meeting the deductible) in a timely manner. They are very clear what is covered and what is not, since there are always exclusions. I had a complex issue after a rare leg fracture that required both my vet and a specialist surgeon (thank goodness surgery was not required). Each doctor had to sign the claim forms (each with a different diagnosis), and Trupanion handled it properly and promptly. One interesting note: After learning the surgeon prescribed physical therapy, Trupanion added a physical therapy rider on the policy "after" the accident without any question. My young Labrador now receives $130 physical therapy treatments (using an underwater treadmill) that only cost me $13. He loves the treatment (and the therapists) which I believe helped him recover 100%. No sign of lameness, and return to symmetrical muscle tone, which makes us both extremely happy. Didn't think I would need to use this insurance, but an accident can unexpectedly happen at any time.
5

out of 5

POSTED: | BY: Brittany

Great customer service - recommend to anyone

When we found out our dog had a tumor on her adrenal gland, I was not counting on getting much back from our insurance company. I figured it would be a complicated and stressful process to make claims, but I couldn't have been more wrong. The staff at Trupanion was extremely helpful, supportive, and fast in processing the claims. We got back exactly as much as we thought we would - overall, it's a great deal and I've been recommending Trupanion to all my friends and family. They made a stressful time much easier.
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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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