5
out of 5
POSTED: | BY: Debbie Melstrom
Extremely pleased!
Claim was filed, processed and deposited to my account within 2 days!
4.8
out of 5
Number of reviews 62,999
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:
Great customer service.
Great customer service.
5
out of 5
POSTED: | BY: Dyann Lansing
Has worked great for me for the 11 years
Great
5
out of 5
POSTED: | BY: David Schissler
Having Trupanion is a no brainer for us.
I have two large four year old Black & Tan Coonhounds covered by Trupaniun. It's money very well spent. Most ailments are covered, claims are easy to file and payment is quickly deposited directly into my checking.
5
out of 5
POSTED: | BY: Lynda Beaver
I had VIP Ins.
I had VIP Ins. before getting Trupanion. My other dog Pixie was very healthy and ever had anything wrong with her health wise until she was 12 1/2. It just came out of blue and she got pancreatitis on a Friday and she had to be put down because she had a rare condition called calcified gall bladder which discovered by specialist vet on Monday. I called VIP and they could not tell me what and if they would pay for anything They said they could not tell until the bill came in. This is why I got the insurance to help out in emergency situation. The bill ending up being about $3500 and I got Care Credit to help me pay for it. VIP send me a refund for around $1700. I was so stressed. it was Heart breaking to put her to sleep on Wed. She was sedated but the vet said she was in awful pain. She still waged her tail when she saw my husband and I before we put her to sleep. Dogs are so amazing The vet works at UC Davis and was working on drugs to help dogs who get a calcified gall bladder and was working on trying to find out why. He said it was rare in small dogs mainly in larger dogs. Pixie was a ShihTzu like Mia. Broke our hearts.
Our family Vet, Dr. Heart, Pixie also went to regularly. She was aware of my story with Pixie since she took care of Pixie all her life and referred her to the specialist at the end. She said I should look into Trupanion. I did and because of Dr. Heart at Reagor Pest Hospital in Carmichael, CA I got your insurance.
I feel comforted to know that is something happens to Mia I pay 10% of the total bill and my copay. Hopefully Mia will not have to go thru anything like Pixie did and will continue to have a happy, healthy life. Thanks for being there for us. It's comforting to know you are there if we ever need you. Lynda Beaver, Sacramento, CA
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