5
out of 5
POSTED: | BY: Jen
staff Is always caring and kind.
staff Is always caring and kind. I love that they ask about Molly each time too. Feels very personal.
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: Jennifer
She's friendly and professional.
She's friendly and professional. I received my preapproved form and a letter to my surgeon's office in less than a few hours (cc to me). Very efficiently done for me as requested. Thanks
5
out of 5
POSTED: | BY: Sue
Trupanion has helped us out tremendously
Trupanion has helped us out tremendously with our boxer over the years.
5
out of 5
POSTED: | BY: Catherine
Shannon was helpful in general
Shannon was helpful, in general I was a bit caught off guard to have had our one dog's premium go up so much this year.
2
out of 5
POSTED: | BY: Kristian
Our 12 week old puppy was insured…
Our 12 week old puppy was insured immediately upon picking her up at 9 weeks of age. Due to the "grace periods" we had coverage for "accidents" after 5 days from the date of payment, and "illnesses" would be covered after a month (30 days).
One night after letting our dog out for a pee, she started to throw up violently. She continued to heave heavily almost to the point of being unable to breathe. Additionally she threw up blood multiple times. My wife and I rushed her to the emergency clinic at 2am, and treated her for what the vet suspected was a "foreign object" possibly lodged into her tummy or throat. The total cost of the overnight stay was $1500.00. Thankfully our puppy was ok, and responded well to the vet's coarse of action.
The following day, while we were picking her up, we called Trupanion to discuss her coverage for the emergency. They instructed us to go through a pre-approval process and connected me to the per-approval team. The rep asked me a few basic questions and advised that they would review the claim and get back to me. After checking the dog out (10mins later) we called back Trupanion to advise them of the total costs. The Customer Service Rep had told us that the claim was already declined.
To keep this short, we obtained the vet's notes and it clearly stated that he felt there was a blockage of some sort. The vet not removing any objects had to classify it as Gastroenteritis (very general term used loosely for gut issues including vomiting blood). Regardless, Trupanion had declined the emergency claim, stating that it was an "illness" and not a "accident".
STAY AWAY FROM THIS COMPANY!!! THEY DECLINE YOUR CLAIMS!!
To add insult to injury, their Claims Rep who contacted us to discuss this issue, said "ohh god" to a request from us, and also stated that "she had a job to do and had to go"..... Was she not doing her job when calling us? Stay away from this company. Full Stop.
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