Trupanion | Pet Insurance Review

4.9

out of 5

Number of reviews 77,346

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: Joe Horvath

Worth Every Penny...

When I purchased my Boston Terrier, Elliott, I was told that he came with a 30 day free trial of Trupanion, a pet insurance company. Naturally, I laughed. Who has pet insurance? I have had dogs before and surely never needed this type of service. There is a simple form to fill out, and I filed it away with all the other paperwork received. I took my puppy in for his first round of shots, and the vet said he was a happy healthy puppy. Great! At the end of the visit, the business manager at the vet came in and asked why I haven't enrolled Elliott with the 30 day free trial of pet insurance. I said, "You've seen his report. He's healthy. There's no reason." The business manager said, it's free. Just do it. It takes two minutes. I had reservations. I was afraid of an automatic enrollment after the 30 day free trial, etc, but I enrolled Elliott anyway. It was easy; fill out this paperwork, and the vet did the rest. After a few weeks, I came back for his second round of shots, and again, I received another healthy progress report. I remarked to the vet, "Good thing I have pet insurance" and went about my day. A week later Elliott and I were playing, and he vomited. Puppies throw up, but something in my head said, this isn't right. He was lethargic. He lost his spunk. I took him into the vet, and they said something was wrong. They couldn't pin point what was exactly wrong, but they gave him a fluid bump, sent him home, and said call us if he vomits a
5

out of 5

POSTED: | BY: Nicole Bell

Super easy to work with

Between Trupanion and the Vet's office, I have not had to submit a single piece of paperwork. SO, so easy to work with. After having my dog a very short while she broke her leg, and we have saved TONS of money. I am not one to jump on the idea of pet insurance, but after getting a trial offer I am sold. It has been worth every penny.
5

out of 5

POSTED: | BY: Deborah Anderson

Easy and quick

Our puppy spent a night in hospital for vomiting And dehydration. He came home and the hospital submitted our claim. He spent one night at home and then returned to the hospital as the problem did not go away. There was no problems with the claim and we received two cheques back in less than two weeks.
5

out of 5

POSTED: | BY: Judy Shepard

Turpanion Cares Values Your Pets!

Everyone at Trupanion shows real compassion for the needs of my cat. They were pleased to be able to help with the financial burden of saving the life of my cat. And even sent follow-up emails inquiring about her progress! The former insurance company's only concern was finding reasons for not paying claims. I'll never go back and highly recommend Trupanion for their empathy, compassion, and financial support in times of need. Our bill was $2344. Trupanion paid $2023. Our sincere thanks to Jenn Lach and the Trupanion staff.
5

out of 5

POSTED: | BY: fanny kasher

amazing service

i am pleasantly surprised at how quickly and efciently my two claims were processed and paid. i never expected such great service.
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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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