Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 76,971

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: Christina Casey

Best pet insurance ever!!!

Claims are paid quickly and at 90% of covered items. The communication via email is wonderful as well. They let you know they received the claim & how much they will pay. Are also concerned about the pet's health.
5

out of 5

POSTED: | BY: Donald Wood

ACL Surgery

Dog needed ACL surgery, Trupanion covered 90% of surgery and related expenses.....Claim was processed immediately and I received reimbursement check in about 1 week.....GREAT COMPANY and GREAT SERVICE!!!!
5

out of 5

POSTED: | BY: Patrick Ryan

Awesome Service and fast, fair payment!

I am very happy I chose Trupanion for my cat; Qtip. I've had coverage with Trupanion since I adopted him a year ago and took him in to have his teeth cleaned and for a check up. The doctor noticed a lump on his hip and decided it needed to be surgically removed so handled that while doing the teeth cleaning. The bill was $835.95 and the only part not covered was the teeth cleaning and some vaccinations which I would not have expected coverage for. Q-Tip's surgery was on May 8th and I just received an email from Trupanion advising they have paid our claim via direct deposit. The total they paid was $638.96. Wonderful customer service from Kyra and Carmen (the two ladies I spoke with when I called.) Trupanion is a ROCK SOLID, CUSTOMER FOCUSED, CLASS ACT! I am so glad to have their coverage as $835. out of pocket was a bit of a stretch for me but I will do anything for my little guy. Having Trupanion let me focus on doing everything needed to get him better without having to worry about my finances. The lab work on the removed tumor came back and it was cancer so catching it early and removing it hopefully has helped to ensure it didn't spread. I'm taking Qtip in for a follow up and xrays to make sure the hip bone is not showing signs of Cancer and Im glad to know those will be covered as well. God forbid anything further comes up I feel so at ease knowing I will never have to decide between getting him the best care or not being able to afford it and having to put him to sleep!
5

out of 5

POSTED: | BY: NA

Quick claim approval

Repeat claim for same illness. No paperwork required from Vet
5

out of 5

POSTED: | BY: Karen McCarthy

Great Service

I had to appeal an initial claim but I did understand why. Once Trupanion consulted with my veterinarian and understood the situation, it was immediately resolved. They were quick to review all the information, helpful on the phone and a great service makes this business a pleasure to work with! I just added my cat to this service and would not hesitate to recommend it. I cannot possibly be happier.

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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