5
out of 5
POSTED: | BY: Jane
Service and payment
Trupanion paid the vet clinic directly-very quick, convenient and no hassle. Thank you!
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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.
1
out of 5
POSTED: | BY: Sally Jean
So disappointed
Been a paying policyholder for 7 years and finally needed the insurance. Dog had surgery to remove lumps, one of which was cancerous. Trupanion identified each of the four lumps a separate CONDITION. Each CONDITION, not the +$3K surgery/illness, was subject to my $1000 deductible. WhAT A Shock that the illness was not covered!
5
out of 5
POSTED: | BY: Kristen
Fantastic service!
All paperwork was submitted by my vet and approval for surgery came in very fast. Extremely pleased with my decision to purchase pet insurance with Trupanion!
5
out of 5
POSTED: | BY: Robin
Trupanion is the BEST - Hands Down!!
We rescued two Golden puppies from a backyard breeder - both of them have had health issues since the outset. We purchased the insurance when the pups were 3 mos old - they're 5 now. Trupanion and the staff there have ALWAYS been extremely helpful and very good about working with us to get our boys the care they need. The claim process is simple and efficient, claims are settled very quickly. They're fair and are not looking for a way to deny a claim!! I honestly love them. I've sent numerous people to them for their pet insurance...even my vet recommends them now!!
5
out of 5
POSTED: | BY: Breckan
Trupanion there when I needed it, easy & no stress
My two year old Lab Mix Bernese Moutain Dog had an extremely urgent surgery to remove a tumor on his spine. Not only did we have to fly from Alaska to get an MRI, we also had a spinal tap, lots of blood work, and surgery. During this stressful time Trupanion worked with my vet to get the bills settled as they were stacking up to around $10,000. They preapproved claims and called me with status updates. All I did was submit the papers. True to their word my bills have been taken care of per my policy. As a young adult still in college I couldn't have afforded this without Trupanion. After the surgery we discovered my dog has cancer and Trupaion is still there to assist me during this difficult time. Thank goodness I chose Trupanion. You can't beat their customer service and dedication.
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