Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 76,971

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: Barbara Darnelll

Trupanion - Well worth the investment!

We have two cocker spaniels, Molly and Macy, they are now three years old and the light of our lives. My purpose in writing is to pass along our story in hopes of informing other pet parents of the benefits of having pet insurance. What I should say is the benefits of having top-rate pet insurance. Having loved a chronically ill pet in the past led me to research the many companies who are now offering pet insurance. Believe me, I lit up the internet with searches, questions and policy comparisons. My investigatory work led me to the elimination of many companies and it directed me to Trupanion. That was three years ago and I have not regretted my decision for one moment. Not only have the Trupanion folks supported me monetarily in the care of the girls but they have also given me emotional support with the security of knowing that they do what they say they will do. One of the things that attracted me to Trupanion was their easy to read policy, no gray areas. You know up front what you are getting from Trupanion, their policy guidelines are clear. Another thing that impressed me was Trupanion's customer service, just as their policy, they do what they say they will do and they are so darned nice about it. Their customer service folks are friendly and very knowledgeable and they were actually the clincher for me when I was making my decision regarding which company to go with. I made phone calls to those on the short list and when I first talked with
5

out of 5

POSTED: | BY: Roberta Jones

Excellent service

While the insurance is fairly expensive, I have been very pleased with their customer service and prompt handling of claims. The phone support is great and the reimbursement was made within 24 hours of the claim being received by Trupanion.
5

out of 5

POSTED: | BY: I. Kiernan

TPLO

Very quick response and reimbursement. Great customer service, very happy with the whole process. Very easy.
5

out of 5

POSTED: | BY: Regina Bretches

Great Coverage!

I had adopted a dog and signed up for the one month free trial with Trupanion. My dog got into something toxic and we had to rush him to the vet. Trupanion paid the claim, minus the deductable and office visit the next day! I had a rep call and follow up with my dog, explained coverage and I continued the policy for both of my dogs. Best money ever spent as far as pet insurance. This is a great company.
5

out of 5

POSTED: | BY: Roberta

Dogs with Ringworm

I have 3 dogs, all of them contracted Ringworm. It is very expensive to treat and very time consuming. TruPanion covered a large portion of the expense. The dogs are healthy again and I am glad I signed up for the insurance after seeing it advertised at our Vets office.
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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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