Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 76,593

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: Jane Cullen

Rates increasing

I bought pet insurance when we got our Rotweiler 9 yars ago. I purchased from VetInsurance, was told that there was no dedutible and that my rates would not increase. The company was sold to Ing Bank and then to Trupanion. Since they have taken over the policies my rate I creases every year. The only way to keep it at what I had originally contracted for was to apply a deductible, this is after I decided to cancel and I received a huge sob story about why I should keep it. They play to the owners heart strings. Last month I get another email that my rates are increasing again!!! Told them I was cancelling, keep getting emails pulling at heart strings again. They do not look at the breed or life expectancy. Rotties lifespan is 9-10 years, my boy is almost 9 and at this point all any pet owner should be thinking is that you are going to do the best for friend that you can and that means they don't suffer and you don't do anything to keep them alive because you don't want to lose them. Been through this with my first Rottie, she died of osteo sarcoma, made her comfortable and let her go. Be careful with these companies, it is insurance after all and they like money. 2 claims in almost 9 years, do the math as to how much you are paying. Put it in a separate bank account for your pets care. Not saying Trupanion is not a good company, but this constant increase of rates and then trying to make you feel guilty for cancelling is frustrating. Filled out the claim detail
5

out of 5

POSTED: | BY: KP

One of the best Pet Insurance

I never experience that medical expenses for my dog will be so expensive. I was absolutely bless having this Trupanion before Puffy had dislocated disc. I won't be able to pay for his surgery without the help form Trupanion and Puffy would suffer so much without the surgery. Trupanion is so great not only for his surgery but other treatment as well. The reimbursement is fast and help me reduce the burden of my financial. When any pet owners ask me about getting pet insurance, I speak highly about Trupanion. I am now upgrade my insurance to cover more for Puffy. I'm sure everyone would be very happy with the service.
5

out of 5

POSTED: | BY: James Marshall

Allergies

My dog nala has allergies and Trupanion has been good at covering her allergies and reimbursing us for her meds, pads and with this medicine and pads has help Nala in controlling her allergies. So far they have been good about twlling me about new things they cover and i recently moved to azero deductavle and the new policy upgrades.
5

out of 5

POSTED: | BY: Barbara Yencho

Absolutely incredible!

My 3 year old male cat had developed urethral obstruction and required catheterization. But after a day or two at home it obstructed again, and the vet recommended perineal urethrostomy. Between Atticus's vet, who performed the catheterization, and the emergency vet performing the surgery, charges exceeded $5000.00. I could not believe how quickly Trupanion responded to the claims. Moreover, very unlike VPI, the initial insurer that I had my cats registered with, Trupanion is precisely as it advertises -- even better. I'm very pleased with them, and it's wonderful to have the assurance that my cats will be cared for when situations like this come to surface.
5

out of 5

POSTED: | BY: Elizabeth (Scotti)

Easy to file claim, quick response and payment.

My 18 month old King Charles Spaniel became ill this Spring. We were not sure what the cause was, and it took our vet nearly 4 weeks to figure it out, treat her and get her healthy. I was afraid that there would be "some" kind of issue with the amount of our claim, or something that was done during the treatment period, for just "reason" that I wasn't aware of. Instead, I am happy to report that not only is my dog HEALTHY again, but Trupanion got my claim, promptly notified me via email, continued to keep me updated with detailed individual claims, and ultimately issued checks to us for nearly 90% of her expenses, minus our co-pay. I was SHOCKED that filing this claim was as easy as they said it was and that receiving payment was also as easy! Thank you Trupanion, for honoring your policy as stated and for your prompt attention and resolution to our claim!
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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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