5
out of 5
POSTED: | BY: Susan Proctor
good service
good 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: Jordan Petrunia
Get trupanion, or donât get a pet
If it wasnât for trupanion I wouldnât have my dog still with me
1
out of 5
POSTED: | BY: Brittany B
Trupanion has made me go crazy
Trupanion has made me go crazy - I have mental breakdowns dealing with their reasoning and mistakes over our plan and history. Originally when I signed up they provided me with false information about the plan, deductible and information I had no idea and didn’t even realize and try fix the problem until I filed my first claim and realized how large the consequences were on my family because of it. Customer service refused to do anything and waiting days for a supervisor when you work full time and have a family and life was a long hassle. I ended up having to file a BBB complaint against the company - since they were admitting they messed up but oh we are an insurance company we don’t want to fix it. It took forever to get it fixed. Fast forward (I have multiple dogs) my dog was acting wierd and vomiting frequently so I brought her in for blood work and everything was good. She has high anxiety and it cleared within a few days. Trupanion declined the claim and all future claims - they claim that a vet we saw previously diagnosed belle with liver cancer. SHE DOES NOT AND HAS NEVER HAD ANY FORM OF CANCER. This vet we saw twice once for an anxiety medication refill and once for vaccinations. We never went to the clinic again as they said they couldn’t accommodate my three dogs for appointments due to the volume of clients they had. This vet gave info to trupanion dated almost 6 months after my dogs last appointment with the clinic.Now this appointment for belle was around a year after we did her vaccines. They told trupanion they diagnosed belle with liver cancer with no testing, no suggestive symptoms and no proof. I had proof that when they wrote that about my dog it was over 5 months after belles appointment. TRUPANION WILL NOT ACCEPT THE PROOF because solely they do not ever want to pay. Belle has had real vet services at other clinics and no symptoms. Her blood work she just had was also clean but trupanion is claiming because she vomited for a couple days she has liver cancer and won’t cover any current or future appointments. Even with all my proof they refuse to even humour me while I collect. Essentially they want me to pay even more and get my current vet to disprove her apparent liver cancer with no guarantee of coverage regardless.
Now another issue with my dog having an emergency visit they won’t cover claiming it’s my responsibility to pay for her emergency because it wasn’t an emergency it was routine maintenance. What normal person would EVER pay $250 walk in fee for fun? One of the secondary conditions to my dogs digestive issues led to a bad anal glad infection that we are overall treating and watching to see what’s the best course to take. One being injections that require sedation. And trupanion thinks that’s maintenance? I’m not getting my dogs anal glands expressed for maintenance if i was why would I even submit those receipts? Any part of an ANIMAL regardless of what kind - has maintenance they need for a good life. ANY of those body parts, organs or anything can be affected as secondary conditions such as infections, injury or other. Now somebody tell that to trupanion! It’s disgusting what they claim they can do - then claim they have pets interests at heart. What would happen if my dog had an injury and her anal glands got affected? Oh that’s bodily maintenance? Nobody wants to act like a Karen or freak out but when your paying HUNDREDS per month to protect your pets and get horrible service, excuses and overall feel like your being stolen from there’s only so much you can take before you force a company to take responsibility
5
out of 5
POSTED: | BY: Jenn Devesa
Easy process seems well explained and breeder recommended.
Easy process, seems well explained and breeder recommended.
5
out of 5
POSTED: | BY: Lucy Reis
Great service
Easy to enroll, and great plan
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