Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 76,782

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: Mara

Fast, simple and reliable

I would recommend Trupanion wholeheartedly to any pet owner, further I would advise any pet owner to get pet insurance in general. It sounds cheesy but it really provides peace of mind. When our cat had to be referred to a specialist clinic, thankfully in town, it was a no-brainer. Don't get me wrong, I would have sent him to the clinic, pet insurance or not, but this way I didn't end up in debt. When he was released home four days later being diagnosed with a very rare immune-mediated condition, we started submitting our first claims (and there were many and there are more to come). And since then I have been continually surprised by the speed the claims have been processed with. Further there haven't been any questions about the eligibility of the claims and everything was covered (of course not the vet checks and taxes but that's what you sign up for). I am so incredibly happy that we were able to - and continue to - provide the best care for our cat and don't have to think twice about it. My cat will have to be monitored for this condition for the rest of his life and will most likely be on medication for the rest of his life. So I am thankful that we signed up with Trupanion as soon as we got him and hopefully, they will continue to be there for us along the way. Obviously, as a pet owner, you don't think that you will ever need pet insurance, but chances are you will, so sign up now.
5

out of 5

POSTED: | BY: Vicki Lambert

Very quick attention to claim.

Riley my 7yr. old labradoodle swallowed stick fragments & some insoluable sustance on a Sat. & became sick after my vet had closed. I took him to an unfamiliar clinic that was very responsive & caring. He was vomiting continuously which soon turned to blood. He required immediate IV/medicated treatment. They submitted the claim the next day & immediately I received an email stating the claim was being reviewed which was quickly followed by another saying the claim was being taken care of & a payment would be forthcoming. Trupanion is an excellent company & I have recommended it to many dog owners. Thank you for the excellence you provide to us in times of unforeseen animal crisis. Vicki Lambert
5

out of 5

POSTED: | BY: Tracy L.

Trupanion is awesome!

I love Tupanion! They are quick to respond and cover so much! My Lilly has so many conditions and they even cover 50% of her perscription food. They respond quickly to phone calls and emails and their website is easy to use.
5

out of 5

POSTED: | BY: S G

satisfactory outcome

Our Boxer Mia was in deep trouble. She couldn't hold anything down and had diahhria bad. We got her in to the vet pront when we realized her condition could not get much worse. They operated hours after diagnosing a blocked intestine. The following monday I filled out the appropriate forms and passed them on to our vet clinic. The attending Vet processed the forms immediately and faxed them to Trupanion. We recieved a confirmation of submittal the same day and a follow-up three says later. Within 10 days we recieved a cheque in the mail and the file was closed. The timely resolution to our claim was appreciated, especially during the Christmas holiday season. I have no regrets going with Trupanion as they have delivered what the policy covered.
5

out of 5

POSTED: | BY: James Chapleau

excellent

claims and questions were handled promptly and professionally
Please leave a review

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
Provider website

Get a quote today

Leave a review