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: Jordan

Toby my Great Dane

I will begin with the coupon. I was given a coupon for buy one night get 2 free boarding nights at Pet Smart. My family and I were going on a 4 night vacation out of state and decided to cash in on the 2 free nights. This particular Pet Smart had a doggy day camp available so to reduce Toby's (my Great Dane) anxiety I was going to have him play the day I dropped him off and the last day when we were to pick him up. I dropped Toby off as planned and we were off on our vacation, 30 minutes before my flight was to take off I receive a call from Pet Smart saying Toby has thrown up 3 times and it was their policy to have a vet look at him. While the flight attendent is asking me to turn off my phone I'm speaking with the on call vet telling them to call my vet and listen to what ever they tell you. I had to turn the phone off or proboby be thrown off the plane. We land 3 hours later and I have a message they have driven Toby over to my vet and my vet (who owns great danes herself) was suspicious enough of Toby's situation she had to have X-rays taken. There was a small blockage which medication was able to take care of and fortunatly my wife's parents and brother could watch Toby the remainder of our vacation. I started out thinking 2 free nights with doggy day camp we were only going to spend $85 for 4 nights sounds great! It ended up being $15 for time spent at Pet Smart and their vet, and $754.35 in care from my vet. Trupanion covered $678.92 and I only spen
5

out of 5

POSTED: | BY: Judy

Made a Claim

My pet Insurance company, Trupanion,is a positive cooperative and caring company.I have in the past called and actually talked with a service rep to explain to me if I have coverage for certain claims. My latest claim came back for my lab/german shephard 100 lb dog's torn knee ligament, which involved serious surgery.The claim came back within two weeks,and during that time,they kept in contact,as to when they received the claim,when it was being processed and when it was sent back to me.No other company of any kind has given me that kind of resolve. I was very impressed,that my money was not tied up for weeks or even months for reimbursement.
5

out of 5

POSTED: | BY: April

I am so happy we got insurance for our pets!

We live in Florida and have two puppies, one pup is just a year old and the other is six months old. When we took the younger one to be neutered, prior to the procedure his liver blood work tested abnormal and required specialty testing which included sending the blood sample overnight to Cornell University in New York. I doubted that it would be covered, but we submitted it to Trupanion and were thrilled to discover they covered 90% after our $50 deductible. It took only a couple of days to process and we received a check the following week.
5

out of 5

POSTED: | BY: Rebecca

Very efficient

Trupanion processed my claim very efficiently, keeping me informed as to the progress, and issued a payment without any problems.
5

out of 5

POSTED: | BY: Jackie

Awesome!

Great communication, fast service, friendly and responsive to questions. Trupanion is awesome and I am so grateful to have found them!
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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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