5
out of 5
POSTED: | BY: Tommy W.
Excellent Company to Work With
All claims have been handled efficiently and extremely fast !!
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: Juli
Awesome customer service
Knowledgeable, informative, friendly staff. Support is prompt and efficient
5
out of 5
POSTED: | BY: Máirín Breathnac
Secure in the knowledge I don't have to sacrifice my pet's health if I can't afford vet bills.
My cat, Juliet, is now 18 years old. She has IBD and kidney disease but still behaves like a kitten thanks to Trupanion. There is no way I could have paid vet bills of over $3,000 so far this year without insurance. Trupanion has often pre-approved Juliet's treatment costs reimbursed either the vet clinic or me within a couple of days.
Note: I live in Alberta, Canada but that province doesn't show in your list of states.
5
out of 5
POSTED: | BY: Toni M
Trusted pet insurance
I have had nothing but positive experiences with Trupanion Insurance and the employees.
5
out of 5
POSTED: | BY: Jessica
Everyone should have pet insurance!
My two dogs have had surgeries and illnesses I couldn’t have imagined when they were young. I knew I wanted to plan for and protect them so I got pet insurance as early as I could (which looking back, was a great decision on my part) and we have used it a few times. My little one is about to go into his second bladder stone surgery, which is heart-breaking, but at least I know that I can care for him, that we have options, that the cost isn’t a concern and that his health can be my priority, and that Trupanion supports us in his treatment and recovery!
My rate per month is so low (really low!) and my deductible is high (at my own choosing) but totally manageable when we’ve needed it. I would recommend pet insurance a million times over. When I am at the vet, they do a majority direct bill after my deductible is met, so I’m not even out of pocket. For me, it’s way more than peace of mind, it’s keeping my family healthy and safe and well, and I am beyond grateful to Trupanion for being there alongside me to care for my boys.
Just get pet insurance!! I have several friends who opted not to get it, but have ultimately spent several thousands of dollars on care later and wished they had insurance after all. If you never need it, you are so fortunate, but if you do, you’ll never regret having gotten it and Trupanion has been amazing to us, so I’m very happy to recommend them.
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