5
out of 5
POSTED: | BY: Caroline
Excellent as always!
Trupanion is very quick to reimburse and has supported us fully with a number of recent claims for our dog's knee surgery and pre/post care.
4.8
out of 5
Number of reviews 61,811
Updated: November 13, 2023
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: Jill Arcand
This insurance gives me peace of mind
My dog suffered a "sports injury". He had a limp that wan't going away. So we were able to get him mediation and an x-ray to confirm that he did not require surgery at this time. Having insurance allows me to focus on what is best for my dog without being distracted by the financial aspect of going to the vet.
5
out of 5
POSTED: | BY: Tonia Lofland
Very thankful!
I added my dog Bailey to insurance at the mature age of 11yrs old even though he was healthy I just started thinking he was getting older and may have problems. I wish I had done it sooner in his life but, better late than never. Within 6 mths of getting the insurance I took Bailey in for a symptom. We were sent to a specialist and told we needed several ewxpensive sonograms and blood tests. It was a hige relief to know I had this insurance to help. We spent over $1600 and were pleased with the amount of money we received back into our checking account from Trupanion as their part of our coverage. They even helped with the medicine. Very glad I made this decision.
5
out of 5
POSTED: | BY: Kristi Neill
Lucy
My baby Lucy became very ill and started having seizures one after the other, we had several vet visits and they had to send us to a Neurological Specialist. We did finally find out what she had, after a MRI and spinal tap,which was an auto-immune disease, it is Granulomatous Meningoencephalitis, it was a very expensive trip, but I am happy to say Lucy has been seizure free for a month now!! Trupanion Pet Insurance is the best, they have paid all of our claims without any hesitation!! I have put my other two dogs on the same insurance now as a result of their great care! Thanks Trupanion!!
5
out of 5
POSTED: | BY: Jessica
Trupanion is the way to go!
I cannot thank Trupanion enough. We recently rescued a beautiful 5 year old Mastiff named Monty who the owners were going to put down. With no history on him we brought him to the vet and made sure he got all of his shots and a check up. He was given a clean bill of health until his blood work came back and he tested positive for heart worm. It was heart breaking but we made the decision to treat him. The first week was really rough but Monty is a fighter and three weeks after treatment he is full of life and doing great.I really didn't think the insurance was going to cover it because it was so soon after we got him and we didn't have any history on him. It make me happy to make that payment every month to know that both of my dogs will always be taken care of!
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