5
out of 5
POSTED: | BY: Belinda
Awesome service very friendly and professional.
Awesome service, very friendly and professional.
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: Patricia
Edmonton Pet Mom - Pat I.
Always excellent service. Provides incredible peace of mind in caring for our little dog.
5
out of 5
POSTED: | BY: Ted
Good
Always easy with good communication
5
out of 5
POSTED: | BY: Jennifer
Alexis was super helpful and in my opinion went above and beyond
Alexis was super helpful and in my opinion went above and beyond
1
out of 5
POSTED: | BY: Mel
WASTE OF TIME - Stay away if possible! DON'T get sucked into their 30 day free trial BS - they won't give you a CENT
I worked with Trupanion for a whole month in June 2020 because our vet offered us a 30-day free trial with them. Trupanion worked out some kind of promotion where if a puppy is given the green light on their first comprehensive examination (i.e. is deemed healthy/has no pre-existing conditions), then these customers will be offered this free trial.
I was ecstatic - but it turned out to be a HUGE waste of time.
During this time, my puppy experienced severe diarrhea and vomiting and we visited the vet multiple times in the month - about 5-6 times. All 5-6 times were aimed towards helping my puppy get better but Trupanion kept rejecting all of these claims. They have deemed it to be INELIGIBLE because "Nothing in the medical history shows that this is NOT a pre-existing condition." I was confused as my puppy was deemed healthy by our vet and we received the free trial accordingly.
Once the free trial was over, I found another insurance company. I gave them the same medical records as I did Trupanion and there were no issues with processing the claim and reimbursing the money spent.
The most infuriating part is that my vet was ALSO confused as to why the claims had been rejected and had even taken the time and energy to write up a letter to appeal Trupanion's decision — which was still rejected. To this day, they are still baffled by the outcome of our interaction.
On top of that, Trupanion also offered a possible explanation for my puppy's issues stating "Puppies can feel queasy after car rides and as a result, may vomit." As an FYI to Trupanion, we walk to the vet. I did not appreciate that Trupanion tried to write off my puppy's gastro issues.
I didn't pay a cent to Trupanion due to the free trial, but I was definitely interested in sticking around due. How could you not be, considering their 9.3/10 rating all the raving reviews they received? I was dismayed at my free-trial experience with Trupanion. I genuinely feel like they will not care unless you pay them. This was not a good first experience and there is NO way I would ever let my other pet owner friends deal with this. They deserve to work with a company that cares about them and does not write off any issues regardless of how "common" a symptom may sound.
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