5
out of 5
POSTED: | BY: Peggy
Great with this experience.
Great with this experience. The last 3 experiences with my other dog were not satisfactory at all. After insuring two dogs both for 9 years.
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: Donna
You won't be sorry
Always helpful if contacted and speedy payments. We have had Trupanion since our little Chihuahua was just a couple of months old. She is now 13. We are so glad we made the decision to enroll back then.
Thank you!
Graham
5
out of 5
POSTED: | BY: Andrea
Fast approval. Life saver.
First claim in the 13th year. My cat sent to emergency hospital for difficult breathing. I called Trupanion for claiming process. Eveybody I talked are all helpful. And I got the claim approved faster than expected. With the budget in mind, both our emotional and financial depression is lightened. My cat' health is improving. Thank you so much for Trupanion!! Great appreciation to Forene, she is so understanding, and made the approval at the earliset possible.
5
out of 5
POSTED: | BY: Heidi Porter
I got Trupanion for our kitten's
I got Trupanion for our kitten's as soon as we rescued them and selected the $1000 deductable to lower the monthly rate. Our one kitten started having cluster seizures at 8 months old all of a sudden. We had to rush him to a special emergency vet in Toronto that had a neurologist. He was kept in ICU for 2 days and had an MRI and Spinal tap. Unfortunately the diagnosis was not good and he crossed over the rainbow bridge. Trupanion covered all they said they would (90% after deductable, not including tax and consultation fees). I received a condolences email and the cheque in the mail the next week. If I didn't have Trupanion I'm not sure I could have even tried to save my baby and would have had to live with that guilt. You never expect anything to happen to a kitten or young cat, but you never know. I wish I was only lucky enough to give my monthly payment for years and years and never had to use the insurance. That's what insurance is for, just in case. Thank you Trupanion for your kindness, your sympathy and for living up to what your company claims.
5
out of 5
POSTED: | BY: Gail
We have received excellent care and prompt service
We have received excellent care and prompt service at a very stressful time with our two year old dog, Pippin. Thank you Trupanion team!
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