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: Yvonne Brandenburg,

Should have followed my own advice sooner!

As a veterinary professional, I have told pet owners for years to get insurance for their animals. I always said that it helps take the financial aspect out of deciding treatment plans for their members of the family. Finally, I followed my own advice! I'm so glad I did. Trupanion honestly saved my dog and my family from potentially not being able to treat because of finances. Working in the field, I've adopted pets that had some issues, but none unmanageable. Luna has had allergies, and some skin issues. She is almost 6 and one morning she didn't want to eat breakfast. She always eats breakfast. I looked at her and thought she was a little pale so I took her with me to work. Turns out, she was very anemic, and her body was attacking both her red blood cells and platelets! Needless to say, this was a major life threatening medical emergency. Knowing that she had insurance made the decision to treat possible. She needed 2 blood transfusions, hospitalization, multiple meds, and constant monitoring. Everyone I talked to at Trupanion made the process easy, and let me focus on my baby. Once my claim was submitted, I was reimbursed within a week! Now I know that I can provide the best care possible without draining my finances. Luna's happy and still healing and I recommend Trupanion to everyone I know! Thank you for giving me and my family peace of mind! Wish I had done it years sooner!
5

out of 5

POSTED: | BY: Donna Serio

I Wish My Own Health Care Insurance Was This Good

Trupanion has made the process of submitting claims painless. In just a matter of a few days I have received notice that my claim has been accepted, approved and processed and payment is on the way. It gives me much peace of mind to know that my pet's health care needs will be taken care of and that I do not have to consider the financial feasibility of treatment. I have called customer service to get questions answered and everyone there is very friendly. They even asked me about how my pet was doing after treatment. They seem to truly care about my pet' well being.
5

out of 5

POSTED: | BY: KM

Thankful to have it

My pup has been to the vet far more than any other dog I've had. He consumes everything he can, whole, without chewing. I got Trupanion and am thankful. The last trip to the vet cost $4500 and they covered over $3600 of it. I recommend them for anyone with a young dog.
5

out of 5

POSTED: | BY: Pat Maynard

Great deal for the money

My Best friend,Oreo, my cocker spaniel,got some kind of sting or infection and needed laser treatment. I got the treatment and Trupanion paid me back 1/2 of the cost of the visit, medications and the treatment that took 6 treatments. It worked great and so did the insurance. Thanks, Oreo and Me (Pat)
5

out of 5

POSTED: | BY: Diane Germain

terrific

My dog became ill in early December 2013, since then she has had 2 major surgeries, one to remove her spleen because of tumors and the second to remove 2 mast cell tumors from her rear leg and flank. Trupanion has handled our claims quickly. they have covered 90% of our expenses since we met our deductible. It has made caring for our girl so much easier having Trupanion .
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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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