Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 77,346

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: Megara Kastner

Outstanding Customer Service

I had to race my 5 year old Labradoodle to the emergency room. I hadn't put in a claim to Trupanion since I started the insurance a year before. As I waited for the ER doc, I called Trupanion. The service rep. was so compasionate and immediately faxed the paperwork to the ER. I called later to check in and, again, the rep. was extremely helpful. The following day, I took my dog to her regular vet for a follow up. Then filed all the paperwork for a claim. Each step of the way, Trupanion emailed me the status, contacted all my previous vets to gather my dog's records. I was told it would take 4 to 6 weeks to get reimbursed. My checks are in the mail after 2-1/2 weeks. Everyone person I talked with at Trupanion was remarkable and very, very helpful. I highly recommend this company to everyone. I have neverr had such wonderful customer service.
5

out of 5

POSTED: | BY: PK

Trupanion-Nice when things work

It's nice when things work the way they are supposed to. Our 185 lb, six year old mastiff came down with a sudden systemic infection and spent 4 days in doggie ICU. The cost of ICU plus medications for the month following landed us with almost $7,000 in vet bills. Situations like this are exactly why you enroll with pet insurance: It takes cost out of the equation when trying to save your pet's life. Trupanion delivered on their promise by helping us get the best medical care for our pet without the worry of how we were going to pay for it. Within 4 days of filing our claim with Trupanion, we received an email that our claim had been processed. Within 12 days we received our check from Trupanion. They paid the exact amount we had expected... 90% of our claim, following our deductible. They only disallowed about $300 of the claim. This is far superior to other pet insurance companies we've used over the years for other pets. It's nice when things work the way they should. We highly recommend Trupanion over other pet insurance plans.
5

out of 5

POSTED: | BY: Michele Martin

Exceptional

I am a veterinarian. I regularly recommend Trupanion based on client experience, and a review of the contract. Payment was received quickly, without any questions from the company, and when there was an oversight with one invoice, it was quickly resolved. Overall excellent experience.
5

out of 5

POSTED: | BY: Jonathan

I love Trupanion! Alternative treatments covered

Very simple claim form. They also have claims express which is where they pay your vet directlyand that's right you just have a co-pay. I love my dog with all of my heart but I will not go broke or into debt for expensive medical bills. They also cover alternative treatments and I can consult with any veterinarian in the United States, Puerto Rico and Canada. Trupanion takes the financial worries away to allow me to make my own decisions for My dog's treatments.
5

out of 5

POSTED: | BY: Barb

Expensive First Year

If you have ever had a puppy, you know that first year can be an expensive one! Our little Berner girl had so many illnesses that first year. Luckily, I had Trupanion from before I even brought her home. If I had a question, I could email or pick up the phone. The phone staff is incredibly friendly and helpful... no matter how many times I call! They will walk you through anything. If I have a claim, I can email the form in, or mail it, or... best of all, my vet will file it for me! And it never takes long to get a notice that the check is in the mail. I love the flexibility of choosing my own deductible. I have a $0 deductible because you never know when an emergency will occur and I never want to be in a position when I have to decide I can't afford to treat my dog! Sometimes vet bills run into the thousands of dollars... why take the chance? I would rather pay a few dollars more a month. I will say that my rates did go up for year two and three, but I just got a notice that the rates will not go up this year! Over the lifetime of a dog, the rates are still reasonable and the savings definitely make it worth it!
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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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