5
out of 5
POSTED: | BY: Zachary
STELLAR
Trupanion was able to help me with my cats tooth removal and helped with the cost of my cats surgery
Read more on Trustpilot
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: Linda
You never know!!!
We are so happy to have chosen Trupanion,we had adopted a kitten from the shelter and within a few months she had a mishap and needed surgery immediately,I told the vet we had insurance and they called Trupanion,they said no worries it’s covered ,we paid our percentage and they covered the rest ,good service,would definitely recommend it👌🏽👌🏽👌🏽
1
out of 5
POSTED: | BY: Lidia
Paying for a service on top of that having to pay for every single conditions of my dog.
I am deeply dissatisfied with the services Trupanion offers. I pay a monthly fee of 89 CAD just to cover every condition on my own. Recently my dog had to have a molar tooth extracted because it was broken. The procedure costed 1200 CAD, I covered the 700 CAD deductible, which I knew I have to cover, and they covered only 300 CAD. I recently discovered another fractured tooth and took my dog to the vet, we are trying to avoid extraction and got him antibiotics and anti-inflammatory medications. However, Trupanion does not want to cover because apparently it counts as a new conditions, which it does not, because he already had a broken tooth condition before. It does not say that in their policy and now I am paying my monthly fees and on top of that I have to pay for the vet bill, which should be covered because I have already paid the deductible of that condition. I would most definitely not recommend Trupanion as you will end up paying for a service that almost never covers anything. Because apparently every single vet trip counts as a separate condition and you have to pay a deductible of 700 CAD first, which most likely you would never fulfill. Therefore, you are better off saving that 89 CAD every month and putting it towards vet bills.
5
out of 5
POSTED: | BY: Demetrula
Keep doing what you are doing
Keep doing what you are doing. You guys are amazing.
5
out of 5
POSTED: | BY: Fenton
Trupanion knocks it out of the park!!!
I enrolled my puppy with Trupanion recently and had the worst happen. She broke her leg and ended up in emergency at the vet hospital only days later. Luckily the accident happened after the waiting period had ended but only by a few days. I was very impressed as the dog needed to have a plate and pins implanted to fix the bone and Trupanion covered it all. Between the surgery for the broken leg and all of the follow up care Trupanion paid about $6,000 dollars. The best part is the vet submits the invoice to Trupanion and I don't have to pay anything upfront. Trupanion pays the vet directly 90% less taxes, the initial deductible and the exam fee. Pretty good deal. Very easy to deal with.
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