5
out of 5
POSTED: | BY: Megan
Very happy!
Couldn't be happier! Getting trupanion insurance was the best thing we did for our two pups!
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4.8
out of 5
Number of reviews 27,144
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: Duane
Only have good things to say about how Trupanion handled our claim.
Trupanion handled our very expensive claim with no hassle or delay. When there was a small glitch with a pre approval they phoned us twice to explain exactly what was going on. Positive experience during a very stressful time.
5
out of 5
POSTED: | BY: Duane
Great experience with Trupanion
Our 10 month old PWD was ultimately diagnosed with a hematoma on his spine, requiring (very expensive) surgery. The hospital was able to direct bill Trupanion for all covered expenses with no questions asked whatsoever. When there was a small glitch with a pre-approval, a real live person from Trupanion phoned us at home to give us an explanation, and then another follow up call was made to confirm our understanding. Can't say enough good to describe our experience with Trupanion. Job well done!
5
out of 5
POSTED: | BY: Ximena
Great and Reliable
My little Chihuahua was having pain and after narrowing it down to something in her mouth, but bring soo small we made the desicion to put her under general anesthesia to throughly investigate and take X-rays not knowing what it would be. We submitted a pre approval to trupanion and after finding that she needed to have many non vital teeth removed on the moment, i needed up with a huge bill tot pay. The vets office submitted the final claim, which I had already fully paid, via email and I was reembursed within 48 hours (I had already set up direct deposit on a previous claim)I am thankful for trupanion as I was able to take care of Mia right away which was my priority
1
out of 5
POSTED: | BY: Dave
Very poor customer service! Look elsewhere
We have been insured for years by trupanion (5+). We rarely have exceeded the yearly deductible. I recently tried to contact an agent to change my plan. I emailed and called to leave a message. I received no response.
Today I was informed my policy does not cover rehab. We are trying to avoid invasive surgery. I escaleted to a manager when our claim was rejected.
The manager politely explained that there was nothing she could do about this rehab but would sell me a rider to cover any future conditions that are non existing. Great insurance and business like manner. However, there was no effort to help us with this claim. No goodwill effort in consideration of the thousands we have paid in premiums.
She explained that the contract is very clear and written at a fourth grade level. no need for them to explain the need of additional riders or any exclusions as i signed up on the web. No need for them to call and follow up to see if we had concerns or questions at any time in the past number of years. Too bad that i tried to contact them and that they never responded.
So now i am searching for another company. I will contact vets in my area and any animal associations as well as social media. I will suggest people not use trupanion. I will use social media and i will write reviews. I will also see if there is any legal remedy.
I may be one dissatisfied customer but i am sure there are others equally frustrated.
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