Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 77,160

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: Patricia Woolm

Great pet insurance.

I am so glad we chose Trupanion for our dog's insurance. She is recovering from surgery because of a luxating patella on her left rear leg. We submitted a preapproval claim to them before her surgery. They told exactly what they would pay. After her surgery we submitted the final bill to them. Within one week of the surgery we received an email telling us their check to us was being sent. I would recommend this insurance to anyone that has a pet.
5

out of 5

POSTED: | BY: Chiquita aka

Fantastic - Couldn't be happier

This was the first claim I ever submitted so Trupanion required my cat's entire medical record from all (3) veterinarians who had ever seen her. Her emergency treatment for ingesting my prescription medication was on March 15 and the reimbursement check from Trupanion was in my checking account on March 25. My medical insurance should be so fast!!!
5

out of 5

POSTED: | BY: Michelle

I liked that Trupanion kept it efficient & simple

Trupanion processed the claim from my veterinarian quickly and kept me apprised of everything in real time via email. There were quite a few bills to submit and they did a great job with all that paperwork. I liked the email for each different bill that had been submitted- it showed how much was covered, how much was not, what the remaining deductible was, and what my insurance check would be. They kept it simple but gave all the information I needed. I had another pet insurance company before this one several years ago, and I much prefer the way that Trupanion procssed my claim. Definitely recommend Trupanion!
5

out of 5

POSTED: | BY: Pamela Chandler

I love Trupanion!

This is a wonderful company to have pet insurance with. I am so happy and pleased to have them on my side and my baby’s (my dog Hannah) side, knowing they are there to help me take good care of Hannah. I know she will get the best of care because of Trupanion because they pay 90% of my vet bill, which takes the financial dilemma off my mind. They are so fast at reimbursing me and it just makes me rest easier because of their fast responses. They are professional, compassionate, and caring and I know they do care a great deal about pet owners and their babies, which is important for a pet owner. I looked into other pet insurance companies and found Trupanion policies are better than the other insurance companies I researched. Twice Hannah has had to be rushed to the vet, her vet billed was rather high, and they were right there for me financially. They are the best as far as I am concerned. Thank you Trupanion
5

out of 5

POSTED: | BY: Emily Windes

Very good.

Truupanion did a very good job from start to finish. They were prompt, and efficient. I wish my own health care provider was this good.For the sake of keeping animal population down, I would like to see spay and neutering covered.

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 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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