Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 76,782

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: Michelle

REAL Top of line pet insurance - best ever had

Truepanion is like BlueCross for your furry family member. Claim submission is a snap (your vet office can do it for you just like your physicians office), email alerts from receipt to following up on reimbursement and your pet status, and great coverage. I'm lucky to have found Truepanion .
5

out of 5

POSTED: | BY: Christina Halverson

Easy, reliable pet insurance.

The folks at Trupanion have been nothing but helpful and courteous when I have to submit a claim. They do a thorough check of your pet's medical history to be sure there are no pre-existing conditions. Once that process is completed, they are a great company to deal with. Highly recommended, get it while your pet is young and the monthly payments will stay the same (unless everyone's rates go up).
5

out of 5

POSTED: | BY: Lindsey

TruPanion Delivers!

Our little Winnie broke her leg while at the kennel and it was truly one of the hardest things to see our dog go through. I called Trupanion and asked what I needed to complete this claim and was directed to what forms and other documents they needed. I was truly impressed with how easy the claims process was and how much communication I got from them every step of the way. Everyone we spoke to was super friendly and extremely helpful. Thanks Trupanion for helping us!
5

out of 5

POSTED: | BY: SHARON

Trupanion #1 pet insurance

I've had dogs my whole life and never purchased any insurance than I started working with a rescue group and adopted one of my fosters. A 4 week old dobie lab mix (who's a little nuts). She started out eating tons of rocks I worried I'd have medical issue with her so I got her insured. She grew out of rock eating and never had a issue with it but, later had several different issued from and mystery blood virus, to severed tendon, pulled muscle. All of which Trupanion covered the majority of the cost. When she had the blood virus she was in and out of the hospital for over a week. It was thought that she had a heart condition (cardiomyopathy). After seeing my two previous elder dogs die from heart failure i was scared to live without knowing if she had a heart condition that could cause her to go into heart failure. With the insurance I was able to have an ultrasound and be assured her heart was healthy and working 100%. Still not sure what was wrong with her (maybe spider bite) but 100% sure not a heart condition. THANKS Trupanion
5

out of 5

POSTED: | BY: Cynthia Nowlin

Thank goodness for Trupanion

Several years ago we adopted a yorkie female that was 3 years old. Within 3 months of adopting her she developed some problems that resulted in us having to have her put down after we exhausted over $5000 of our savings trying to save her. At that very moment I swore I would never own a pet without insurance so that I am not in a situation where finances make the decision of life or death. Insurance may not have made a difference in the final outcome, but I certainly would have been able to do much more. 2 years ago, we purchased a yorkie puppy. The day I brought home I purchased Trupanion for his protection and my piece of mind. Just recently we made our first claim. Bailey "stole" a bone without our knowledge and ate the entire thing! It appears that tiny pieces of it lodged in his digestive track and made him very sick. We had a policy with zero deductable and 90% coverage and I was so much more comfortable knowing money would never be an issue in his treatment decisions. We were fortunate that we have an excellent vet and we were able to clear his situation without surgery and he made a full recovery. We were reimbursed by Trupanion within 10 days of his discharge. The staff at Trupanion were attentive to us and did everything possible to insure that we recieved speedy claim service. I highly recommend it!

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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