5
out of 5
POSTED: | BY: Lisandra
Amazing
I think trupanian is amazing. I tell everyone I know if they have animals to sign up. It is amazing! I think it's important to have our fur baby's protected
4.8
out of 5
Number of reviews 63,001
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: Regina Hennessey
Amazing
Our vet advised us to fill out a 30 free trial with Truepanion when we took our 12 week old Boston Terrier for her first physical. We never expected we would have a need for this insurance but as accident prone as puppies can be, little Cricket jumped off our couch and broke her back leg. Cricket was taken to the emergency vet hospital and required surgery as well as a 5 day stay. This was at a cost of over 4000.00. Trupanion was unbelievably supportive in helping me to file a claim and showed real concern for us and our new puppy. Trupanion covered 90% if this cost after our $250.00 deductible and completed our claim within a week after it was filed. This was the first time a that something to good to be true was really true. Thank you Trupanion for being so supportive and caring during this time. We have since signed up for full membership and will continue this health ins for the duration of little Crickets life. ~ Regina
5
out of 5
POSTED: | BY: Darin Scott
Another great experience
I just completed my 4th claim in 3 years. Trupanion gets faster each time. It is amazing how fast they are.In the most recent claim my Vet emailed the claim form with the invoice so I literally did nothing. The money was wired into my checking account (because I use a debit card with Trupanion) in 2 days. My Vet told me they are getting Trupanion Express software so in the future I will pay 10% at checkout and Trupanion will do the rest paying my Vet directly. This company is the best by far. I have used VPI/Nationwide in the past and they were terrible.
5
out of 5
POSTED: | BY: Jeannine Taccetta
Extraordinary service.
Trupanion has been more informative & compassionate than my own health ins. The coverage was unbelievable. Thank God I had the stem cell coverage. Although Lena is still in recovery stage. It was less intrusive than major hip surgery. My vet Pleasant Plaines hospital & the Surgen & cannot forget the staff were wonderful. I recommend Trupanoom to all my pet friends. Wish you had horse ins also. Lena is doing great only after 1 week of knee surgery & stem cell procedure. All large breed pet owners should consider having trupanion. No one wants to make that decision of what to do if that time comes. Lena & I thank all who were involved.
5
out of 5
POSTED: | BY: sam
smooth
everything just went smooth - submitting the claim, receiving the claim, communication, - it was all perfect
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