5
out of 5
POSTED: | BY: Jacqueline
Excellent!
It's the best pet insurance - period! I have recommended it to all of my friends. :) They have signed up!
4.9
out of 5
Number of reviews 58,985
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: Jeannie
Absolutley Amazing
Once again you came through for Charlie The Cat & his dental issues. He is 3 now and never has your company and great staff been anything but up front, personable,informative and honest. The kindness and the fastest turn around regarding claims ever has me spreading the word constantly about this company. My dogs are under another company from 10 years ago and it has been 90% hassle. I know Trupanion is the hands down, or should I say "paws up": winner. The last claim had a notification of claim received (email) on the evening of the day it was faxed & confirmation via email of claim accepted/payment on the way in less than 24 hours. I recommend them to everyone I speak with. Congrats to you all. You are the best!! Thank you
5
out of 5
POSTED: | BY: Carrie
Trupanion has your back. They are the BEST!
Our four year old pug, Daisy has been unlucky in needing surgeries and having infections. Each and every time we have submitted a claim, Trupaion has covered the 90% without question. Our reimbursement checks come in very quickly which is a big help. If it weren't for Trupanion, we would not be able to have the ease in our hearts and minds to give our pets the care that they need.
5
out of 5
POSTED: | BY: Mary
wire encounter
The vet was able to see Newton within an hour of the incident. She and the vet techs stayed after hours to operate on Newton to put him back together. While waiting for Newton to come through the procedure, I did not stress over the mounting expenses because he was covered by Trupanion Insurance. I received a reimbursement check in 4 days. My daughters also have their dogs insured by Trupanion. It gives economic peace of mind.
5
out of 5
POSTED: | BY: Kim
Peace of Mind
We were very pleased the way our claim for Strider was handled. Within 24 hours of submitting receipts for our boy's MRI and possible upcoming surgery, Trupanion responded with the fact that they were reviewing the account. Within 48 hours, they let us know what the insurance would cover. Trupanion paid EXACTLY what was promised and in addition pre-approved a possible upcoming surgery. When you are trying to make decisions about your beloved animal family member, Trupanion comes through. We would recommend Trupanion to any animal owner and we do!
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 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