5
out of 5
POSTED: | BY:
your the best
your the best
4.8
out of 5
Number of reviews 63,026
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: barbara broom
Not Your Usual Experience With An…
Not Your Usual Experience With An Insurance Company:
My experience with Trupanion has been wonderful. From the first submission of a claim, they have gone above and beyond. My Sam was injured and his hind legs were completely limp. He required spinal surgery for a herniated disc. Not a normal procedure for the average pet. Sam is special, not only a Dachshund but our best friend. Our experience with Trupanion has made a painful experience so much better. Claims were handled almost immediately and payment came just as quickly. Each staff member I have spoken with has made comments at the end of a conversation about giving Sam special attention, giving him a hug, taking care of Sam, etc. I am very pleased and though I have been paying monthly for coverage for over 3 years, I can assure you those payments were nowhere near the charges we had for this surgery. Thank you Trupanion for having the training of your staff to such a high level, and mostly for the extreme speed of the handling of Sam's claim. God bless you all.
5
out of 5
POSTED: | BY: Elizabeth Ricard
Claims Processed Sooo Fast
Claims are always processed within a few days of submission. Even when I had to open an appeal because a claim was initially declined (very rare) within a week the appeal was resolved and paid. Try getting that kind of service from human insurance! Also, new conditions don't seem to take any longer to process than on-going conditions. We couldn't be more satisfied with Trupanion.
5
out of 5
POSTED: | BY: Debbie M
ACL Tear Surgery Paid For
My Bernese Mountain Dog, Bear, tore his ACL and needed surgery to repair the tear. Trupanion covered Bear’s surgery cost at 90% (minus deductible) just like they advertise. I couldn’t be more pleased and I’m glad I chose Trupanion and that they have helped in securing the best life for Bear.
5
out of 5
POSTED: | BY: Marie Palmer
Trupanion all the way.
Trupanion was our choice of insurance with our other
3 GSP in the past. Over a 8 year span Trupanion paid the claims very quickly in the amount of $30.000.00 dollars that makes it $10.000.00 a dog.
I looked into other insurance and they do not compare with Trupanion coverage.
Don't wait until an accident happens with your furry baby! Get them covered now.
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