5
out of 5
POSTED: | BY:
knowledgeable helpful
knowledgeable, helpful
4.9
out of 5
Number of reviews 59,817
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:
I have had so far good experiences
I have had so far good experiences
5
out of 5
POSTED: | BY:
I have had good experiences so far!
I have had good experiences so far! I have had the insurance since he was a puppy and I'm so glad it is here to help me be the best dog parent I can be and support him through everything he needs. :)
3
out of 5
POSTED: | BY:
Great serviceeasy to useand most important allows policyholders to choose the veterinarian/ vet hospital that is best for their pet.
Great service,easy to use,and most important allows policyholders to choose the veterinarian/ vet hospital that is best for their pet.
5
out of 5
POSTED: | BY:
Thank-you Trupanion. We're so glad to have this Lifetime Insurance for our dog And future pets.
First of all, I had a mobile Veterinarian come to my home for an initial visit with my miniature poodle. It was a great experience. When she was at the end of her visit and exam and a couple of small but needed procedures, she gave me a Trupanion page that told about the Trupanion services. It had a code number on it, and the vet explained how much this insurance had helped some of her patient's "parents" by saving them a tremendous amount of $ through using this plan for their unexpected treatments as well as hospitalization. Then the Vet said that since she had provided treatment for my dog, I could get a free month if I signed up for the insurance in the next 24 hours. That perked my interest, because my dog is 7 years old, and the Vet told me of 3 major problems that miniature poodles are susceptible of getting. She also said she trusts Trupanion's Insurance company completely, as it is the 2nd best rated Pet insurance in the USA. That made
me curious, and I looked up more info on the internet.
Next, after talking with my husband about looking into this plan for our sweet little dog.
I called the Trupanion Chat line and very soon was talking with Katherine on the Chat line. I had many questions and concerns, but Katherine is clearly an expert in this field. No question was too difficult for her. I felt very comfortable and interested in her knowledge and answers. She helped me through it all, and told me to call her or if I had any concerns or questions. Once my husband and I realized this would be a great worry free plan for our dog, Kathleen offered to get us signed up with this insurance plan. We definitely are newbee's with having pet insurance, but we feel thankful and relieved to have it available for our sweet dog for the rest of her life And for any other pets we might aquire.
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