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: Kip Krieger

excellent emergency coverage, fast reimbursement

We researched a number of pet insurance companies and chose Trupanion's emergancy policy as the best suited for our young female saluki mix, Cleo. Rather than try to cover her routine expenses, which are relatively easy to budget, we decided that we should cover any emergency situations, which are usually the most costly and least prepared for. In hindsight, the best value in such coverage is that when an accident happens you are not forced to make major decisions about your pet's future based upon financial considerations. In other words, since the insurance covers 90% of all accident-related expenses, there is no reason to skimp on the necessary medical procedures. We have a very active dog who runs with us daily in a wooded park near our home. Several years ago she started lifting one of her hind legs on our return from the woods. Our vet diagnosed a torn ligament in her knee and gave us the choice of surgical repair or just letting the dog live with it. He said that many people don't want or can't afford the expense of surgery (around $2000-) and choose to do nothing. The animal eventually gets used to its reduced mobility and doesn't seem to experience lasting pain. Because we had our Trupanion policy we never thought twice about opting for the surgery, and after 4 months our Cleo had 100% of her mobility again. The surgeon advised us that it was possible that she might sustain the same injury in the other hind leg, because after recovering they tend to put more weight
5

out of 5

POSTED: | BY: Judy Shoemaker

Best Pet Insurance

My Pomeranian is insured with Trupanion and was diagnosed with an enlarged heart and bronchitis. She takes medication for both daily. Trupanion paid for 90% of her testing and for 90% of her meds related to these diagnosis. I really love this insurance. It's the greatest
5

out of 5

POSTED: | BY: Dr. james

Piper's experience

Piper, our 1 1/2yr old Portuguese Water Puppy became ill this past month. She was admitted to the Veteranarian Hospital here in Victoria, received 2 CT scans and other laboratory and physical exams. She was kept in the hospital overnight until she had improved. The costs for treatment and care of Piper were extensive, but we were so grateful to have insured both Piper and her sister Charlotte with Trupanion, when they were babies. Trupanion contacted us immediately to reassure us of their concern. They relieved the financial pressure by sending a cheque immediately, after reviewing the details. This covered the majority of Piper's medical costs during her illness. We were so very grateful to have had a caring Insurer who was prompt and very helpful during a difficult time. Thank you Trupanion.JB
5

out of 5

POSTED: | BY: Shiela Nelson

Best insurance for pets!!!

Trupanion representatives are so attentive and caring! They are the best! Without Trupanion's help, we wouldn't have our puppy with us today.
2

out of 5

POSTED: | BY: yvonne

only for animals with no health history

my cat was diagnosed with allergies before I signed up with trupanion. I have a Persian cat that I found. every time he gets sick, if it has anything to do with respiratory, they will not pay. he has had kittie herpes and an upper respiratory infection. trupanion will not pay, they say the diagnosis goes along with allergies. I am thinking about dropping them. I have had them for 2 years they have paid 0.00. my cat has had the herpes infection now for 3 months. I have gone to the vet at least 6 times and have paid over 500.00 for medications and visits. trupanion will cover none of this,even though he is sick and this is not allergy related.
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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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