Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 74,699

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: Melissa Belyea

Trupanion is TRUe!

I didn't have pet insurance when I lost two members of my family (chihuahuas Boo and Ace) in a house fire and had to pay out thousands of dollars to an emergency hospital. Recently, I welcomed two new members in to my family (9 week old chihuahuas Rex and Jackson), and I knew that pet insurance was something I needed to look in to. My local Vet recommended Trupanion, and I am very grateful that they did. One of my puppies (Rex) was admitted to an emergency hospital for a terrible seizure, and it cost over $4,000.00 for the hospitalization, stabilization, MRI, cerebral-spinal fluid tap...etc. My claim was submitted, and in a little over a week my claim had been reviewed and a check for over $3,900.00 was on its way to me. I was reimbursed 90% as promised! Knowing that I have such a reliable pet insurance makes it easier to know that I can do what needs to be done for the sake of my pet. Loving your pet can be a crime with high and unreasonable costs of hospitals and vet clinics, but with Trupanion loving your pet is honored and stress-free. I have to send out a special thanks to Trupanion because without them, Rex wouldn't be here, and that means Jackson wouldn't have his brother, and our family wouldn't be complete. From the bottom of our hearts- Thank you Trupanion; words can't express how grateful we are! We (Rex, Jackson, and I) couldn't do it without you! Sincerely- Rex, Jackson, and Melissa
5

out of 5

POSTED: | BY: Lindsay Goodyear

Straight from the Veterinary Assistant's Mouth

Working for a veterinary clinic I am all too aware of how expensive veterinary care can become and how quickly it all adds up. When my dog contracted a strain of leptospirosis not covered by the vaccine a year and a half ago and ended up in renal failure with permanent kidney damage do I ever wish I had known about Trupanion. Once learning about them I did sign up right away. Although they do not cover my pups pre-existing kidney condition they have since covered close to a thousand dollars in diagnostics for a new problem. Also going above and beyond when I challenged a rejected submittal they provided a 3rd party review and paid out for the claim. I have only had the insurance for about 5 months and have not seen any increase in my premium.I will never be without pet insurance again, I have learned my lesson and will stay a Trupanion customer for all my future pets.
5

out of 5

POSTED: | BY: Sharryn

Excellent

I filed my claim by fax on Feb 15 2011 and I received the cheque in my hand on Mar 2011 - all my staff and friends were amazed and as a result - 4 of my staff members have now taken out insurance for their pets. I am totally impressed with this company.
5

out of 5

POSTED: | BY: Gina T.

Definitely worth it!!

Adopted my rescue Mischa (G.Shephard/Akita mix) @ 5 months old in January 2008 & didn't get insurance til she was over a year old. Recommend to anyone adopting or purchasing a dog to get it RIGHT AWAY. Completely worth it. About 6 months after getting the insurance, Mischa started to limp on her back right leg. After leaving it for a couple months - we did tests; x-rays & anti-inflammatories...to find out it was a partially torn CCL (ACL). Decided to use the meds to reduce inflamation & monitor. 1 year later; the limping is worse & through more tests we've found out that now both CCL's are partially torn. She will likely need a TPLO surgery to repair this in the near future. Surgery aside; we've had about $3500 in claims for the tests & meds over the past year. Not only has Trupanion done their part & covered everything they're supposed to; they're timely & keep in frequent contact via email to let you know that your claim has been received; reviewed & processed. It's great to have that information & have the claims processed so quickly. The only thing I wish I would have known (more clearly) is the coverage for hip displaysia. I wasn't aware that this was a separate coverage at the time of sign-up. Having a G.Shepherd; I definitely would have liked this option but looks like the knees are going to be the problem for this girl anyways!!
5

out of 5

POSTED: | BY: Sylvie Lietz

Always a positive experience

We had never purchased pet insurance for any of our previous dogs, and when we incurred astronomical vet bills with one of them who had orthopedic problems and then cancer, we thought our next dogs would have to be covered from puppyhood. Our beautiful Siska who is a 6 and a half year old Bernese Mountain Dog has been insured with Trupanion since she was 8 weeks old. We also have a younger Berner (2 year old Logan) who is also covered with Trupanion. Throughout the years, we have had smaller claims for a variety of illnesses and have always been extremely happy with the turnaround time for processing and receiving our claims reimbursments. More recently, Siska was having difficulty walking and what we thought was arthritis turned out to be 2 torn ACL's (anterior cruciate ligaments). Upon consulting with our Veterinarian, we were referred to a specialty surgeon who performed a bilateral TPLO (tibia plateau leveling osteotomy) procedure on Siska's back legs. Needless to say that the surgery was very expensive ($6,500), but when we presented our claim to Trupanion, we were again very pleased to receive the expected coverage amount within 2 weeks. Despite increases in monthly premiums, we have always been very satisfied with Trupanion's quick response and level of coverage.
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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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