5
out of 5
POSTED: | BY:
Happy kitty!
Always a fast response to our diabetic kitty's needs, very happy with Trupanion.
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.
1
out of 5
POSTED: | BY: Mary
As an owner of more than 30 dogs
As an owner of more than 30 dogs, cats, ferrets etc in the last 40 years, and as a Registered Nurse, I would not recommend getting insurance put on your pet. It is a lot of hassle. Anything your vet states can be used against you. My dog was vaccinated for Lyme disease and was bit buy a tick unfortunately causing Lyme disease. In her records the vet recommended she be treated for Lyme as a preventative at a cost of $50/month without realizing she was vaccinated and since I already had her vaccinated I didn’t feel I should have to do the preventative; otherwise, what’s the point of getting her vaccinated in the first place. Like, this is a $600/year preventative cost. That’s a lot of money they except you to pay out. Do we give our pets $50 preventative rabies medicine each month? No! The vaccines are supposed to be enough.
The insurance won’t cover her Lyme disease due to this. Anything they can find to not cover, they will.
The people in charge of the claims at Trupanion don’t pay attention properly to the information Infront of them. My dog has the extra Alternative coverage that I’ve been paying for two years and a claim was submitted and in their error they tried to say I didn’t have the coverage, which I proved I did. A really silly costly mistake on their part.
This has happened several times and if I wasn’t doing my home work, it would have costed me large financially.
Also, they pre-approved a place for the alternative coverage in error and now will not pay for my dog’s treatment even though their is no other place within hours that can offer my dog treatment for her condition.
I don’t recommend any insurance coverage for your animals. It’s expensive and a hassle. My dog has five conditions, to which I’ve had to pay a deductible of $750 each time, 10%, and the taxes. You don’t really save, each vet visit is stressful as you have to watch very closely what your vet says it will be used against you. My dog has five conditions that apparently are not related therefore, I continue to pay large deductibles.
I will never get insurance on my animals again as it’s a stressful experience and I don’t recommend you do either.
The customer service agents are nice to deal with and although it’s appreciated, I’m here for insurance coverage at the end of the day.
5
out of 5
POSTED: | BY: Joseph
Trupanion has been extremely easy to…
Trupanion has been extremely easy to work with and seamless support with coordinating with our vet
5
out of 5
POSTED: | BY:
A pleasure to use
Wonderful. It’s so nice to have the claim processed at the vets. No waiting and mailing This is so convenient
5
out of 5
POSTED: | BY:
Lilu
very helpful
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