1
out of 5
POSTED: | BY: dadeas
Atrocious customer service
Atrocious customer service
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4.8
out of 5
Number of reviews 27,169
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: Hayley Workman
Really struggling with this company
Really struggling with this company. Thinking of finding another one at this point. They always find an excuse for not covering things. Despite the fact that I always make my payments on time, I'm yet to receive a single benefit from this company.
5
out of 5
POSTED: | BY: Beryl
Transferring a dog between countries
We were transferring ownership of a nine-year-old dog from our daughter in the United States to us in Canada. The dog had been insured with Trupanion for years, but getting new insurance would have been very expensive. The Trupanion customer service team smoothly moved insurance from our daughter to us, at the rates the dog had been insured under. This was a move between owners and between countries, and the entire process took maybe 45 minutes and the rates were very good!
1
out of 5
POSTED: | BY: Pat Wilkins
Rude and obnoxious customer service
Claim was denied for a medication that was always approved . Upon calling to inquire about the reasoning the trupanion. employee continually spoke over me and was extremely rude. When I would attempt to explain she interrupt. Zero empathy. Zero compassion. Zero professionalism. If I could give zero stars I would.
**Their reply/response is a generic reply and has ZERO credibility. They do not care about their customers. Upon following the directions below and calling their customer service reps they had no idea what I was talking about and nothing was resolved**
5
out of 5
POSTED: | BY: Kaiya Sjoholm
I cannot recommend Trupanion enough.
I cannot recommend Trupanion enough.
We had insurance for our dog Blueberry and when we got our kitten Huckleberry, we went back and forth on whether to add him. We decided to. I'm so glad we did.
Huckleberry ended up being diagnosed with a neurodegenerative disease. The kind of medical journey that follows a diagnosis like that is expensive, emotionally exhausting, and overwhelming. Trupanion took the financial piece completely off the table. They worked directly with our vets -- we weren't paying out of pocket and waiting to be reimbursed, it was handled. We got to focus entirely on trying to find answers and giving him the best chance.
We lost him. But we got to try everything, and we didn't have to compromise because of money. That matters so much.
The customer service deserves its own mention. Every single person I spoke with felt like they genuinely cared. Not in a scripted way -- in a real way. That kind of consistency doesn't happen by accident.
If you're on the fence about insuring a young, healthy pet: just do it. You don't know what's coming. Trupanion made sure that when the worst happened, money wasn't part of the equation.
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