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: Karen

Amazing service

Years ago I tried a pet insurance company but they found a loophole to deny everything. I spent over $10,000 over his 14 years because he then was uninsurable and I thought pet insurance was a scam. But then I found Trupanion. In 2009 when I got a puppy I researched pet insurance companies. I found Trupanion to have the best coverage and best prices. I switched to them and have insured 3 dogs with them. I must say, the service has been absolutely outstanding and personal. Their claim process and reimbursement is fast. They keep me informed every step of the way. I had to put my 13 yr old dog to sleep last week and before I could even contact Trupanion to tell them, Cynthia Howell contacted me with condolences and said she already took care of cancelling the policy, issuing my refund and contacted the vet for the final bill. She was so kind and saved me having to make that awful call to take care of business during my time of grief. I also got a personal handwritten note that was not just some canned wording. She knew my dogs, she knew the one who I lost prior to Trupanion. That card means so much. Another time I made a change to my deductible and didn't fully understand the details. Trupanion rep assisted me to correct the error I made and paid out my outstanding claims. I now have an 8 month old puppy whom I insured with Trupanion from the day I got him. He ended up needing a $2,038 surgery. Other companies would not have covered this surgery, but Trupanion has. I will sing
5

out of 5

POSTED: | BY: cheech

The best insurance if your dog has a health issue.

If your pet has a health issue,this is the best insurance for them. My eight year old Boxer has a Thyroid problem and whenever I submit the vets medical bill, I get a check in the mail within two weeks,no questions asked.
5

out of 5

POSTED: | BY: Joan

Trupanion is a budget saver for my family.

We purchased Trupanion insurance for three of our Maltese after one of them had pneumonia as a puppy. I thought I would be using the insurance first for the oldest one, but the youngest dog developed a chronic illness around a year of age. The veterinarian expenses have been continuous throughout the year and Trupanion has been there for us. Thanks, Trupanion.
5

out of 5

POSTED: | BY: Kevin

Very satisfied!

Our cat had a series of vet visits and tests recently, and we submitted a series of claims over several weeks. Claim forms were very simple, and claims were handled very quickly, with clear, understandable explanations. I had a question and the rep I spoke to on the phone was very nice.
5

out of 5

POSTED: | BY: Kim

Very Good

I am very glad that I went with Trupanion. My 5 month old Golden Retriever cut open his leg on a fence at the dog park. That was stressful enough. Fortunately the insurance process with Trupanion was not stressful. I just signed the claim form and gave it to my vet. They sent it in and I recieved a check within a week.
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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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