5
out of 5
POSTED: | BY: Cristie Lis
Clyde & Wyatt
Easy process and claim approved in a timely manner. Only regret is that I didn't have this earlier. Thank you!
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: Keita Hemphill
everything was very smooth; my claim was processed by the vet and payment was sent directly to their office.
everything was very smooth my claim was processed by the vet and payment was sent directly to their office.
5
out of 5
POSTED: | BY: Monique Moreno
Trupanion is the best!!!
I cannot express how happy I am with Trupanion pet insurance. By far such an amazing company, I’ve been with you for 8 years for my English Bulldog and have never had any complaints. No hassle or runaround when it comes to submitting a claim. It is what it is. My bulldog suffers from allergies, so I always know when I need to take him to be treated for this condition I know my baby is getting the best he needs and Trupanion will reimburse all that they cover. Recently I had an awful scare. He someone got very ill with severe Hemorrhagic Gastroenteritis, and had to be hospitalized. He had every test taken, fluids given as well as transfusions. I was a little worried that I was going to have an outrageous bill but just kept reminding myself that it’s what needed to be done. He’s my second son and it would all work out. Needless to say once he was well enough to come home, my claim was submitted and within two days I got my outcome back and let me just say it was such a relief. Trupanion is reimbursing me a good portion. I cannot express how amazing and worth it to have this company insuring your pet. They are by far the best! For 8 years they just seem to keep me amazed. Thank you so much for making such difficult financial struggles manageable. I cannot express how happy I am.
5
out of 5
POSTED: | BY: Monica Goforth
Peace of mind worth every penny!
I will try to make this brief.... I own five dogs. Last year, a dog I recently adopted had many expensive health issues and several thousand dollars later, I vowed to myself that my new years resolution was going to be to get all of the younger dogs pet insurance. I thoroughly started researching different pet insurance companies. I chose Trupanian because there is no limit as to what they will pay per illness/injury once you meet the deductible. There is no "cap" and you can't run out of benefits per calendar year. As of January 1st, 2020 I enrolled my 3 younger pets with Trupanian. Everything was great. Six months into the policy, one of my dogs, who is only 4 years old, developed an extremely rare disease. Imagine my surprise when I called my vet and said Phantom is not feeling well, I am bringing him in and two hours later the veterinarian calls me back and said the dog is in critical condition and needs immediate plasma transfusions. He had to be transferred to a Internal Specialist veterinarian, and received several transfusions, (at $600 apiece), a colonoscopy, an ultrasound, an endoscopy, and he also spent three nights in critical care there. The bill was over $8000. I had never had a claim, and the dog was only insured for 6 months before this disease he has showed up. I told the Specialty hospital I had insurance on him, and the doctor said "You're in great hands, you don't have a thing to worry about". Trupanian has been AMAZING with everything. We would not have been able to treat my dog had I not had insurance on him. After meeting my deductible, I am only responsible for paying 10% of every visit associated with his illness. This is huge to me as the dog has to go to the vet WEEKLY for injections, and every four weeks for very expensive bloodwork. He is a very young dog, and will need to be monitored closely for the rest of his life. I don't need to worry at all about being able to pay his bills. I am very thankful I decided to purchase Trupanian for my babies. I recommend them to everyone I know.
5
out of 5
POSTED: | BY: Sandra Cortes
Trupanion is wonderful!
Trupanion is wonderful! They do what they say they will and very quickly. Their help facilitated our ability to help our puppy during her recent illness that seemed to come out of nowhere and was very serious. She’s much better now! Thanks Trupanion!
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