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: Heather Parascandola

worth the wait

In December our 8 year old male Papillon Buttons became extremely ill and was diagnosed with Addisons disease. Although it took some time for our claim and vet records to be reviewed, ultimately we were satisfied completely by Trupanion. Our expenses that we paid upfront were 90% reimbursed. Since our dog's condition is treatable but not curable he will require medication for the rest of his life and we are grateful to have Trupanion and their excellent service to help with that expense.
5

out of 5

POSTED: | BY: Amanda Rohde

So happy with Trupanion

After learning how happy many of my friends were with Trupanion I chose to sign up my 8 year old dog, Mylo. I signed her up as a precaution as we were entering the silver beard years. A year after signing up we received news we never expected to get. January 8, 2014 Mylo was diagnosed with terminal bone cancer. This aggressive disease does not have many great options and we decided the best option for Mylo is to keep her as happy and healthy in our pawspice care. The past few weeks have been some of the most difficult in our time together, but I can only imagine how much more difficult this time would be without Trupanions help. From the beginning Trulanion helped me through the entire claim process, sent regular claim updates and sent my reimbursement check ASAP!! I am so grateful I signed up when I did. Thank you Trupanion!!
5

out of 5

POSTED: | BY: joy

watch out if you buy from a pet store

If you buy from a pet store Trupanion will try every way possible to deny your claim..they are prejudice on these claims. Having a terrible time with our claim
5

out of 5

POSTED: | BY: Debby Wilson

MyThoughts About Trupanion

My decision to purchase pet insurance for my dogs was an easy one. I never wanted to be in a position where money would be the reason I could not do any more for my dogs. I researched many pet insurance companies before choosing Trupanion. They offered the best of what I was looking for....Unlimited coverage for one huge benefit. One of my dogs has congenital hip dysplasia. I put a claim in and initially it took between 2 - 3 weeks. Once they received all the information from all the vets that had seen my dog everything went rather quickly. They accepted the initial claim and every single monthly claim for medication. My dog will be on this medication for life. I am so thankful for Trupanion for covering this very expensive medication. I hope I will not have to use Trupanion for anything else. However, it does bring peace of mind knowing my dogs are covered and money won't stand in the way of their medical treatment.
5

out of 5

POSTED: | BY: Ria Distefan

Great Service

We have hade insurance on our dog Gonzo since a puppy as he is a Doxie so we worried about his back. He is now 6 and never any issues, but then one day, bam, he could hardly walk!! We went to the Guelph Animal Hospital and were told he had a ruptured disk in his neck, needed emergency surgery. The surgery cost was up to $6500, but we knew that we had the insurance in place, so we went ahead. Gonzo is now fine, running around and playing again and the experience with Trupanion was easy, quick and very caring. We had follow up emails to advise of the claim processing and the payments were made very promptly. They followed up to see how Gonzo was and wanted to make sure he was better. I am so thankful that I purchased the insurance when I got him, as I know other people without it would have a tough decision with operation costs this high. I tell everyone I know with pets to purchase your insurance and rave at how fast and easy you make it for us in our tough times. Thanks for all you did for us and Gonzo and thanks for all you do for others and their pet families.
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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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