5
out of 5
POSTED: | BY: Beverly
Excellent
No waiting ; immediate reimbursement
4.8
out of 5
Number of reviews 63,005
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: Susie Pool
Thanks for being there when I needed you
Campari, who is my female. After her 1st litter, she started having false pregnancies and infections and then a mucometra and ultimately a pyometra.Thank goodness for my Repro vet, Dr. Steyn and her staff at Advanced Animal Care of Colorado and Trupanion. Because AACofC is linked up with Trupanion my claims were taken care of and I knew exactly what I owed even before I left the clinic. Trupanion has saved me well over $4,000.00. I was very happy with how all of my claims have been handled. Trupanion has been very efficient and fast.
5
out of 5
POSTED: | BY: Patti Carothers
Satisfied
Trupanion is quick with their response when a claim is filed and equally as fast to reimburse.
5
out of 5
POSTED: | BY: Jill Rothen
Excellent service-paid exactly as I had contracted
I purchased Trupanion insurance on my 11 week old pomeranian at her first vet visit. I had never had pet insurance before but this sounded reasonable and what I would need insurance for at a very reasonable cost. About 18 months after purchase of insurance a heart problem was diagnosed and cost $4000. total to repair. The condition is known as "patent ductus arteriosus". If not corrected my little dog would have died in about 2 years. Regardless of whether or not I had insurance I would have had the procedure done. It was absolutely wonderful to have the insurance pay me exactly as the contract had said. I recieved about $3100. in reimbursement. My premiums were only $35. per month. It would take 6 years of paying premiums to equal that amount. A truely excellent insurance value. I will always have my pets insured. It is so worth the cost. Be sure to carefully read and understand your contract and how claims are handled. If the premium is ever to high for me I will increase my deductible. This is excellent for those times that your pet may develope a very expensive condition that has to be treated. I could have had the expenses covered under the "pre pay provision", but I did not realize that there was such an option.
I hope that we will never have to make another claim, but in the event that something does happen, it is an immense comfort to know that we are covered. I would recommend this insurance to ALL pet owners. Buy the insurance immediately as soon as you get your pet, that way you won't have any pre existing condition limitations.
I am going to tell everyone I know about this insurance and even put it on facebook. It is sooooo worth the money.
The customer service people were extremely knowledgeable and helpful. They helped me every step of the way. This is an excellent and reputable company. If I could give them a rating of "1000" instead of a "10" I would. I am so very happy with this company and will always be a customer. Thank you to all of the wonderful people at Trupanion.
5
out of 5
POSTED: | BY: Barbara Longstreth
They are the greatest!!!!!!
So helpful and provide excellent service. Gives you piece of mind to know that you can provide your pet with the health care they deserve. I am thankful that I have it
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