5
out of 5
POSTED: | BY: Sandra
Fast and efficient service
Fast and efficient service, along with helpful support staff who truly care about my pet.
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4.8
out of 5
Number of reviews 27,145
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: Craig
Our recent claim was seamless
Our recent claim was seamless, our vet dealt with submitting and we simply paid the balance. It relieved quite a bit of stress during a very stressful time. Our cat recovered, thankfully, and our coverage allowed us to ensure he had the best of care. Thank-you so very much!
1
out of 5
POSTED: | BY: Maxx W. Dickinson
Dont waste your money. USE A DIFFERENT INSURANCE COMPANY
What is the point of giving money to a company for a service they do not provide. Our first claim was rejected citing that it was a "pre-existing injury". Our vet was appalled by this and called them and wrote to them to assure them that it absolutely was not a pre-existing injury. They took a week to "review" our appeal and still decided to reject our claim. How can they think that they know more than our vet??!! At this point it feels as though we are just giving a generous monthly donation to Trupanion. Our dog has been waiting so long now for an operation on her knee that she has injured the other one from putting so much weight on it. Disgusting behaviour from a large multi-national corporation.
Edit: to the reply, I emailed one week ago and still not have had a reply
5
out of 5
POSTED: | BY:
Amazing pet insurance you can count on
You guys are amazing and we are so blessed to have you guys , because you have saved my dog more then once and for that I thank you . Our dog is a huge part of our family and the fact we can count on you is such a huge relief. Thank you for always being there for us. I always tell people about you guys and tell people your the best pet insurance to have in my opinion. Thanks again for all you have done for us and continue to do
5
out of 5
POSTED: | BY:
Trupanion Claims
Trupanion processes and emails the outcome of a claim in 2-3 days! Any questions I have are answered promptly and clearly. Thank you
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