5
out of 5
POSTED: | BY: gloria grooms
my conversation with her was pleasant…
my conversation with her was pleasant very helpful
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4.9
out of 5
Number of reviews 59,268
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: Michelle
Best investment I’ve ever made!!
If you are on the fence about insurance for your pets DO IT!! Your pets WILL age and WILL have accidents. Do not be in a position where you have to make a terrible choice about saving your pet’s life. Trupanion has saved us so much money on our pets and they make it so easy with their software that is available for most vets and specialists. The rates are fair and the coverage is excellent. The reps are always so helpful and kind.. and the refund comes promptly. Getting my pets insured as puppies was the best decision we ever made.
5
out of 5
POSTED: | BY: SydneyKW
Excellent Product and Customer Service
Besides having excellent pet insurance, Trupanion's customer service excels. My questions are handled promptly. My claims are reviewed and completed quickly. Pet insurance gives me peace of mind that I can always provide the best care for my pets.
5
out of 5
POSTED: | BY: Helen Fronimakis
True professionals
I'm impressed with professionalism and follow up. Customer service have always been caring and attentive and followed up on my concerns on the spot or on same day. Congrats for a job well done. Very few companies now-a-days offer this level of service.
5
out of 5
POSTED: | BY: Mara
So fast and simple and clear.
Piper was diagnosed with several mast cell tumours that had to be removed as soon as the veterinarian could get her in for the best result. We chatted with a customer service rep online and she walked us through eligibility, the forms, pre-approval and all the steps needed. Once preapproval was complete, which took no time at all, we were also informed of the steps once the actual surgery was done. We took Piper home on Monday, the day of surgery, submitted our claim on Tuesday and less that 24 hours later, the payment was approved and headed to us. I wish all insurance companies were as clear, quick and responsive. We still have results to receive and hopefully no further treatment or surgery, but are thankful for the respect, care and attention we received. It is not easy to watch your loved pet go through difficult times, pain and discomfort, but at least this process was painless and provided exactly what was expected from this first claim. We have been policyholders for 6 years and have not needed anything. You never really want to need the service, but when you do, it's good to know that Trupanion was there.
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