5
out of 5
POSTED: | BY: Shirley Lanthier
Excellent friendly service
Excellent friendly service
4.8
out of 5
Number of reviews 25,888
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:
Good customer support and peace of mind with new puppies and older dogs
Good customer support and peace of mind with new puppies and older dogs
5
out of 5
POSTED: | BY: Lynda Brown
Trupanion has always been kind understanding and efficient with any claims I have had.
Trupanion has always been kind, understanding and efficient with any claims I have had.
5
out of 5
POSTED: | BY: Ashley Hillier
Worth every penny.
Trupanion has been nothing but excellent and exceptionally great when it comes to looking after my baby Moe. Thank you so so much!
1
out of 5
POSTED: | BY: Pat
Unfortunately at a crossroad
Unfortunately I find myself at a crossroad with Trupanion. Despite few claims, my monthly fee has more than doubled since 2016. I started in 2012 when my dog was a pup at around $36. By October 2016 it was $66. October 2017 $81. 2018? $105. 2019 $121+. Now notified that it will jump to $140 per month in October. These are huge jumps which, while they say they don’t increase due to age, just don’t jive with inflation or, as they state, increases in costs in our area. Keep in mind that the exam fees are never covered, there is a deductible and they pay only a portion of what they consider to be covered. I have had to argue a few times when repeating issues were denied. Ultimately folks need to recognize what this insurance is for - catastrophic, bolt of lightning from the sky type of event. If it’s huge, it’s a lifesaver. If it’s normal health issues? It simply doesn’t make sense. I’ve paid faithfully for eight years but $1700 per year is likely my breaking point. A tax free saving account for my pet makes far more sense. Not alone - a friend has decided to cancel. And BTW, Trupanion’s profit in the last quarter was 29%.
Edited to add: Thank you for the response. While I recognize that rates change and acknowledge that your company indicates that age is not an issue, the data is troubling. I indicated in error that my original premium was $36 per month. Apologies, it was $46 per month. However, in the time she has been insured the cost will have increased 205%. To date, I have paid $7,000+ in premiums and, based on the latest increase, can expect to pay an additional $10,000 in her remaining lifetime (typically 14 years for her breed so 6 more years). That is IF there are no further increases. Unlikely. At a nominal 15% increase per annum that number shoots up to $17,000 in the next 6 years. Ouch! (To compare, my policy has shown an average rate increase of 25% per annum,) I should also note that inflation was 12.9% total since 2012 and the cost of annual physicals and exam fees at my vet’s have gone up by 16-24% total over that same period.
This is not to say there isn’t value in pet insurance under certain circumstances but for most the cost likely doesn’t make sense. Folks just need to be fully aware before they make the commitment, perhaps considering other options.
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