Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 77,160

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: Pamela Bryan

Routine care

My experience has for the most part been positive. I had one situation, and a very costly one, that I thought Trupanion could have stepped up to the plate. They are very tied to "a condition". ie - My pet needed to have a very boxer dental disease of a bleeding epulus and it was determined that she would need to ungergo a general anestetic to remove the oral masses. At the young age of 4, the vet detected a slight heart murmur and before he would proceed with the oral surgical work, which required, anasthesia, he prescibed the following diagnostics: complete blood panel, urinalysis, chest radiographs, ECG and an echocardiogram with a board certified cardiologist. Dr. Goldfarb stated to Trupanion that "The echocardiogram and cardiac work up was performed by Kristen McDonald at the Animal Care Center on 8/16/13. The ECG, chest radiographs and echocardiogram are considered diagnostic tests for the purpose of Lilly going under anesthesia and removing the oral masses. The cardiology report clearly states that "Lilly presents for aneststhesia clearance". Trupanion denied the singular claim and concluded that the ECG was a separate condition and applied the separeate deductible to the ECG even tho our vet wrote and said that it was a diagnostic test required for the anastesia. The cardiology report also stated that "Lilly presents for anastesia clearance", which is was the diagnostic procedure requied. Trupanion did not live up to their claim that "diagnostics" would be considered one claim. I was very disappointed that they considered this another "condition" rather than a diastonic test for a prescribed procedure. The deductible tab was over $500. for a "new condition". Otherwise, we have been pleased with their prompt response for other "conditions", but be careful how you "present" as they can worm around.
5

out of 5

POSTED: | BY: Don

Speedy Payment

Easy claim process and prompt payment.
5

out of 5

POSTED: | BY: Kathy

Once again Awesome

Our Yorkie had his fifth surgery in five years, this one for bladder stones (23). Trupanion pre authorized the surgery and paid promptly. They kept me informed the entire time. They are awesome!
5

out of 5

POSTED: | BY: Lisa Firlotte

Fast and Supportive!

Our little 4 month old mix began vomiting one afternoon, stopped eating, and became very lethargic. We were so worried. We had to make an emergency vet call, he had to stay at the animal hospital for days, they had to do a lot of testing to find out what was wrong, and when they finally found the obstruction he needed surgery. Trupanion was amazing and supportive throughout - our claim was approved within days and their excellent service gave us the comfort to do the best we could for our little guy. He is home now and recovering well... We are so happy with Trupanion's service and recommend it to all friends and family.
5

out of 5

POSTED: | BY: Jeff &

So far - VERY pleased!

After doing some research, and talking to our Vet, we settled on Trupanion for our pet insurance, not sure if was going to be worth the money we were spending. We just had a recent toxicity scare (our guy got himself into some pain relievers) - and could not be more pleased with Trupanion. From the friendly staff answering my questions, to the ease of submitting the claim from the emergency clinic, to the very quick response of coverage and notice that the reimbursement was on it's way. It has been worth EVERY penny we have spent - especially ease of mind.
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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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