Having medical insurance for your pet no matter their condition or injury is so important when you consider the high cost of veterinary care these days. Trupanion offers policies for your dog or cat which cover even some hereditary and congenital breed conditions as well for illness and injury. If you need diagnostic tests, medications or even surgery, a Trupanion policy can cover you at 90% of the cost and they will even pay your vet directly.
You choose a plan that includes a monthly premium with deductible options that work for you (from $0 to $1000, payable per each new condition that your pet develops over their lifetime). And there are no annual, per incident or lifetime payout limits or caps to the amount covered by this insurance.
Check it out for yourself and see how Trupanion can cover your pets and give you peace of mind!
Trupanion Pet Insurance Reviews
How do I know I can trust these reviews?
- There are close 1 865 verified Consumer Affairs reviews.
- We request the contact information of all reviewers to confirm their identity.
- To maintain the site’s integrity, we use smart software to help us out.
- Again, moderators will investigate all reviews before posting to ensure quality and usefulness.
Not sure how to choose?
Get expert byuing tips about Pet Insurance delivered to your inbox
Not sure about Trupanion?
Take our two minute quiz to find the right Pet Insurance for you
Choosing a pet health insurance provider can be a long and arduous process often involving extensive research to determine the best option for pet owner and pet. One of the top “dogs,” is Trupanion – an award-winning pet insurance provider founded on the principle of helping pets get the emergency care they need when they need it.
Trupanion was first established in 2000 under the name “Vetinsurance” and insured their first pet ever in Vancouver British Columbia. In 2007, they purchased and became underwritten by American Pet Insurance Company and in 2008, insured their first pet in the United States. Today, over 475,000 pets are insured through this provider.
Trupanion is comprised of 400+ employees, including veterinarians, veterinary technicians and pet owners who are committed to pet care and pet safety. In addition to the human component in the workplace, approximately 300+ office pets head to work each day with their owners. This was undoubtedly a contributing factor toward Trupanion earning a place on Parade’s 14 Pet-friendly Companies listing in June 2018. Trupanion was honored again, this time by Puget Sound Business Journal, as one of Washington’s Best Workplaces of 2018.
Trupanion offers a single comprehensive insurance plan that covers a multitude of health conditions including:
- Hereditary conditions including hip dysplasia, diabetes and thyroid disease
- Congenital conditions including heart disease, liver disease and cataracts
- Any unidentified issues that come up involving symptoms such as vomiting diarrhea or change in weight
This comprehensive plan covers 90% of all expenses and is available for both cats and dogs. For an additional cost, pet owners might opt to add a recovery and complimentary care rider which covers services such as acupuncture, chiropractic, hydrotherapy and rehabilitative therapy. A pet owner assistance package may also be an option and includes such services as advertising and reward for lost pets, boarding fees for when the owner is hospitalized, liability coverage for third-party property damage, and cremation or burial for deaths due to accident, just to name a few.
As with many pet insurance plans, pre-existing conditions are not covered. And in this particular instance, Trupanion does not cover basic wellness care or preventative care services such as office visits. The primary why behind Trupanion’s comprehensive policy is to cover unforeseen expenses such as emergency care and long-term chronic conditions.
The Claim Process
Once a pet’s health issues have been addressed, the next main concern for any pet owner is the expense that comes with treatment. With Trupanion, there is no need to worry about paying for the entire expense up front and then waiting to be reimbursed. Pet owners pay their deductible and, through a streamlined three-step claim process, Trupanion ensures that all claims are handled quickly and accurately.
- Step 1: Submit the invoice/claim – Customer or veterinarian submits the invoice, either online or via a claim form.
- Step 2: Claim review – Trupanion will review the claim and make its determination based on the details of the claim.
- Step 3: Claim is closed – Once a decision is reached, Trupanion renders its decision on the claim. The customer is notified by email of the decision and receives an itemized breakdown of the claim.
In the case of eligible claims and once the deductible is met, the veterinarian will either be paid directly via Vet Direct Pay – a convenient electronic payment system – payment will be submitted directly to the customer’s bank account, or the customer will receive a check in the mail. There are no payout limits and there is no dropped coverage or increased rates just for filing “too many” claims.
Trupanion’s customer care staff is available 24/7 to address pet owner needs and questions. Pet owners can get a free quote on their expected deductible and monthly payment through Trupanion’s website.Visit Insure Website
We are dedicated to distributing reviews that are based on a person's experience and opinions of their insurance company. It's not uncommon for reviews to be "reviewed" to ensure there is no offensive material. However, no review is a representation of our company and employees.