5
out of 5
POSTED: | BY: Sylvie Barrett
the process is so simple
the process is so simple as the vet does it automatically while there and all that is left to pay is my share. Quick and efficient, seamless process.
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: Harry Or
extremely efficient pleasant to deal with
extremely efficient, pleasant to deal with
5
out of 5
POSTED: | BY: Britney Chadbourn
Trupanion helped me saved my cats life
This time last year, my cat Hunter, went into liver failure.
He was 3 years old at the time, living, eating and drinking completely normal. He had absolutely no symptoms or indications that he was falling ill - but when it happened, it happened fast and he was gravely ill.
I brought him in for his annual blood work (required as he is on medications for his Feline Hyperestasia Syndrome which is a whole other “Trupanion rocks” story.) The next day when his vet received his blood results, his ALT was 5000. Normal reference range for this is 10-100. We were all in shock. Immideatly brought him back in, had him examined and set up on IV fluids straight away. Called for an emergency ultrasound to have his liver and other organs looked at in depth. He was maintained on IV fluids and many many medications for 3 days with new blood work being run every day to ensure his liver values were coming back down.
He had further complications because he has spinal issue that prevent him from realizing he needs to urinate. Because he of this, he had to be sedated two of those days and have his bladder drained for relief.
After a week of intensive care, we thought he was in the clear- until one of his blood panels came back showing anemia. Meaning he had blood loss from somewhere.
Following this he was transferred to the emergency/specialty hospital to be maintained and monitored for the weekend by board certified internal medicine and critical care specialists. He had another ultrasound and many more blood tests.
Once his anemia was under control I was able to take him home.
The specialist felt it was a toxic event (he had seen a similar case before that presented with almost identical blood panels - high alt and then a week later, anemia) and did not expect further issues for Hunter. After a few weeks he completely normalized and was back to my healthy, happy, sassy cat.
Just that week and a half of care costed around $6000. Which, because I have a 0$ deductible for him, I only paid my exam fee, 10% co-pay and tax. Even better yet - they direct bill with not only my general practice, but with the emergency hospital too. So I did NOT have to pay and wait for reimbursement.
$6000 is NOT something I would ever be able to “come up with” . I would have never been able to pull him through that without Trupanion.
5
out of 5
POSTED: | BY: Diane F.
Quick
Thank you for the speedy response to Nahla's claim.
5
out of 5
POSTED: | BY: Lauren Glenn
Trupanion is amazing.
Trupanion is amazing. I tell everyone I know to get pet insurance because you never really know what is going to happen. It sure has come in handy for us!
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