5
out of 5
POSTED: | BY: Ehud Maor
Great experience
Great, friendly and honest service
Read more on Trustpilot
4.8
out of 5
Number of reviews 63,007
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: Nancy
Very easy process
Very easy process. Just took pictures of invoices, attached and done. Claim paid within 3 days! Seemed very fair based on plan.
5
out of 5
POSTED: | BY: Eddie Ferreira
Where do I begin with what Trupanion…
Where do I begin with what Trupanion has done for us? In February of 2018, an 8 week old Border Pyrenees came in to our lives. Quirky, energetic and simply a bundle of joy we named him Giuseppe. He was the perfect mix of black and white with a white area on his head that was shaped like a heart. All went well with him until he was 3 months shy of his 2nd birthday. He took a tumble chasing a squirrel and began limping a bit. We thought it would go away but after 2 days of limping we thought he might have broken something or sprained his ankle but alas, it was much worse. He was a million to one case. Giuseppe had a developing cancerous tumor in his leg and it had to be amputated. Trupanion was there for us. His surgery was approved and on 1/1/20 he became a tripawd, a term used for 3 legged dogs. It was his front leg. They paid 90% of the cost of the surgery and all follow ups and meds needed post operatively. Giuseppe adapted and shortly did everything he did on 4 legs. He was a wonder to behold. His great spirit and constant joyful personality never faded. In March, we were hit with more terrible news. We had found a small lump on his chest close to his private part. Again Trupanion was there. More tests and biopsies done to conclude it was cancer again. We were heartbroken. We took him to UC Davis where our only option for him was to do 2 types of chemo, one being extremely dangerous. They could not identify his type of cancer so they were just guessing and Trupanion would have covered his treatments but my wife and I decided to let him live in peace for whatever time he had left. We were told 1-2 months left before he was gone. However Giuseppe would have none of it. We treated him with an anti cancer diet and supplements we paid for and other prescribed meds that Trupanion covered bi monthly for the rest of his life. That life turned out to be a miracle. Our beautiful Giuseppe beat all the odds and vets watched him in wonder as his months turned in to an additional 2 and a half years. In total he lived 4 and a half years when every vet said he would not live past 2 years old. Our family and Giuseppe owe all the extra years to prayer and all the treatment that Trupanion covered promptly, right up to his euthanasia on 6/6/2022. Every day with him was a joy and he was happy right up to his final moment. We only had to do it because his tumor became so large that we worried it would rupture or crush his organs. In closing I'd like to say that we would have never been able affird him all of the life he could live, without this great pet insurance company. God bless you all at Trupanion, and if I had a son or daughter that worked for Trupanion I would be the proudest father on earth. A million thanks to your wonderful company. All our pets will have Trupanion as their pet insurance in the future. PS-They paid all claims for his care so promptly that we just couldn't believe it.
5
out of 5
POSTED: | BY: Jim and Judy Guidone
Always a pleasure dealing and communicating with Trupanion!
Always a pleasure dealing and communicating with Trupanion! Professional, and makes us feel like really valued customers
5
out of 5
POSTED: | BY: Sister Mary Grey
Always here and ready to help
Always here and ready to help
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