5
out of 5
POSTED: | BY:
Great service and always there when you need help.
Great service and always there when you need help.
4.8
out of 5
Number of reviews 27,189
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.
Trupanion was founded in Canada and provides bets-in-class coverage and 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.
To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month.
1Based on a December, 2020 Trupanion study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy.
*Terms and conditions apply. Please view your sample policy for complete coverage details.
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.
5
out of 5
POSTED: | BY:
Great service
Friendly
5
out of 5
POSTED: | BY:
Easy going and helpful
Easy going and helpful
5
out of 5
POSTED: | BY: Tanner
A Company that Unconditionally Loves Animals
On boxing day Spike had begun vomiting, I approached it with the typical wait and see attitude (if he vomits he usually recovers by the next day), and sure enough, the following day was fine. The day after that, Spike had thrown up again, this was cause for concern so I booked an appointment with my vet for the following day. They took some X-Rays, gave him some meds, and sent me home with a $580 bill. The next day when he was STILL vomiting they sent me to the emergency room. Long story short, Spike had a bout of pancreatitis and spent a week in the vet hospital. He's home now, but we're not fully out of the woods quite yet, we're doing bloodwork to see if he potentially has chronic kidney disease.
The reason I've said all of this here is that I want to give a glowing endorsement to both Alta Vista Animal Hospital for the quality of care they gave Spike, and Trupanion my insurance company that covered 90% of the bill. I pay $63/m for his coverage.
Without insurance, this vet visit would have been over $11'000 and I would have needed to put serious stock into either taking out a line of credit to pay the bill or possibly putting down my 2 and a half-year-old dog. Spike has a vet-approved diet, I give him treats sparingly, exercise him regularly, and he's extremely well socialized. The vet gives him a top bill of health on his annual check-up. My point is, this came out of nowhere, there was no direct cause or area of negligence that could have prevented this. It happened to me and Spike, and it can happen to you and your pet.
The best part? His future medication and visits related to this are also all covered, and there was no change in my monthly charge. This is why you get insurance!
Please, if you have ever considered getting pet insurance, go with Trupanion. I don't know what I would have done without them, and even having to make a decision would have been mortifying. I don't care about referral links, and I won't be providing one. This is the first time I have ever been so behind a service that I've made a point to "review" them. They saved my best friends life.
2
out of 5
POSTED: | BY:
Your policy on the appeal process is not very friendly.
Your policy on the appeal process is not very friendly. I was charged two deductibles for the same situation and now I have to jump through the hoops of getting a letter from the vet when trupanion could have contacted the clinic directly to clarify the matter . The doctor agrees with me that I shouldn't have been charged two deductibles.
Monthly Cost
Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.
Coverage
One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice.
To view a full list of inclusions and exclusions, check out our sample policy here.
Payout Limits
Unlimited lifetime payouts on eligible conditions with no payout limits-ever.
Deductible
You can choose your deductible from $0 – $1000, in $5 increments, to fit your budget.
Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for an eligible condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.
Age Limits
All pets under 14 years old can enroll.
Once enrolled, pets stay insured regardless of age.
Waiting Period
Accidents: 5 days
Illnesses: 30 days
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 all pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early!
*Terms and conditions apply. Please view your sample policy for complete coverage details.
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.
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
$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
Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in the United States by American Pet Insurance Company and in Canada by Omega General Insurance Company