5
out of 5
POSTED: | BY: Reg
Great service
Fast response no issues at all
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: Tara
Extremely happy.
Extremely happy. This is our first time having pet insurance and we will never be without it again. Wish we had gotten it for our other dog. Thank you for great service.
5
out of 5
POSTED: | BY:
Easy to navigate and friendly support people
Easy to navigate and friendly support people
5
out of 5
POSTED: | BY: Cheryl
Porcupine Dilemmas
Always glad to have coverage for my porcupine pup
1
out of 5
POSTED: | BY: Connie
Choose Another Insurance Provider
Nothing but a bad experience! They will grasp at straws to not pay out a claim. Firstly, the agents you talk to have no idea why a claim would be denied (but you cannot speak to an Appeals Specialist for some reason). Once you finally get an answer to what info they need to put through an appeal they change what info is needed. I was basically brought to tears near the end of a week long battle because my vet would email them asking what info they needed and they would not respond. When I would call they pinned it on my vet not providing information... WHAT INFORMATION? Even there own agents don't know what info they need to approve/appeal a claim. Long story short: my dog had pre-existing skin problems he needed antibiotics, no worries, I follow the rules. I never submitted those invoices. During the 30 day wait period he went in for puppy vaccines and the vet inquired about his stool. I said it was a bit soft and she said it was due to vaccine. Fast forward 9 months later I submit vomiting and diarrhea claims in and they are all denied. Every time I proved to Trupanion that the trips after the 30 days were not related they came up with new wild goose chase. They are not helpful, each agent with give you different information. My vet was even baffled after he called in to find out how to solve this.
There are no exact guidelines and everything is a grey area. Good Luck! I filed an appeal and cancelled my insurance and am now saving monthly on my own for an emergency.. I also filed a complaint with the BBB.
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