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: Maritza Cedeno

THE BEST PET INSURANCE !

My husband and I have always been pet parents to several pets at a time during the years it has been extremely expensive to take care of medical expenses( credit cards ! ). So when we took on the next generation I started looking into pet insurance but could not find one that made good sense. The biggest expense a pet owner has is when their pet is hurt or sick..really dont need the yearly shots for physical to be covered. SO GOODNESS I came across a trupanion pamphlet at vet office and looked into it.THIS IS IT!! I signed up 4 pets , 2 yorkies 4 years old and 2 cats maine coon 5 years old JULY 2010. I had decided to do the zero deductable so I would have less out of pocket expense if needed medical attention. Well much to my surprise one of my yorkies Maggie needed surgery Sept 2010 for a ruptured R CCL and the bill totals $ 2347.00 , reimbursed back 90% $2112.30 !!! Then my poor Maggie gets bladder stones in April 2012 cost $ 2128.00 got back $ 1915.20 . Then again she gets a big bladder stone Sept 2012 costs $ 2266.50 got back $2039.85.. I WOULD HAVE BEEN AT WITTS END !! I know about the credit card pet charges for your pets welfare , most of my charges used to be vet care.. I TALK TO MY FRIENDS AND ANYONE WHO ASKS ABOUT PET INSURANCE ..THIS IS THE ONE TO HAVE !! THE STAFF IS HELPFUL IN CONTACTING YOU ON CLAIM PROGRESS AND THEY EVEN ASK HOW YOUR PET IS DOING.. ( so nice that they care ) .. AGAIN I HAVE FOUR PETS SIGNED UP and so far my other 3 are fine AND I AM SO
5

out of 5

POSTED: | BY: Anthony Trotta

Without tru panion my dog puppy would not be here!

My bull mastiff was 11 months old when he collapsed for the first time. We brought him to the emergency room to find out be has what is called super ventricular tachycardia. Long story short my doctor bills were over 7,000.00 dollars and tru panion paid 90% of every bill after the $500 deductible was paid. They also cover 90% of his heart medication that he will be on for the rest of his life. Thankyou to Tru Panion for saving my dogs life. Your company is #1 in our eyes.
5

out of 5

POSTED: | BY: Terri

claim was handled efficiently

We are appreciative for the prompt response to our claims and pleased with how easy the claim process was to follow. We are very happy we have insured our puppy with Trupanion.
5

out of 5

POSTED: | BY: Crystal

Breathing Problem

My dog was starting to breathe a bit raspy .... AndWe found likely needed a surgery to allow her to breathe better. Trupanion had no issues paying for this or any of the other numberous things that happen to her all the time ... Like gastric upset, there was that constipation, etc. If u are the type of person who would do whatever your pet needed medically ... then get trupanion pet insurance ... Never had a Problem with them and had them for 2.5 years now
5

out of 5

POSTED: | BY: Peyton

TruPanion rocks!

Brought my dog in to the vet because she was vomiting and had diaheria. I submitted my claim to TruPanion and they sent me the check within a week. 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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