4
out of 5
POSTED: | BY: Cherry Condrey
I've only been enrolled a few days but…
I've only been enrolled a few days but it went well registering online.
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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.
1
out of 5
POSTED: | BY: Katya Meereboer
A total scam
I would give a 0 star review if I could. I got Trupanion because it seemed to have the best coverage for a price I could afford and I knew signing my cat up when he was a kitten would be best. But in the two years that I have been with Trupanion, they have increased the monthly premium by 60%. Both last year and this year, when I asked why the increase was so high (about 25% each year), they told me it was based on the number of claims for cats of the same breed and age as well as the increase in vet costs in my area. This doesn't really make sense to me, because my cat is 2 years old and while his breed is prone to some health conditions, they are ones that usually affect his breed later in life. So I cannot understand where this rate of increase is justified, other than the company just wants to get money from the customer. Also, their only solution is to increase the deductible so you get a lower rate, but once you increase a deductible, you can't lower it again.
1
out of 5
POSTED: | BY: The chronic plague
Buyers beware of trupanion I have had…
Buyers beware of trupanion I have had pet insurance with this company for over 8 yrs I recently tried to make my first claim in 5yrs for my dog MJ I was jump through hoop after hoop and getting nothing but the run around saying they needed info from my current vet and then from my old vet once I provided this they said now we need info from current vet again after a month of trying with no results I contacted the better business bureau they got the claim processed in 24 hrs so I thought finally it done NOPE after waiting am extra day longer than is needed to have monies deposited in my account I call back to find out trupanion made a mistake and deposited my money into a wring account and I would have to wait for them to get back their money b4 they could give me mine several days later now I find out they sent a cheque so I will take a week in the mail then days to be processed by my bank so when they advertise they pay claims rapidly it's a big smoke screen to cover up the fact that this small claim for under 200 dollars rakes over 2 months with the BBB helping DONT TRUST TRUPANION THEY ARE ONLY IN IT FIR THE PROFIT AND DONT CARE ABOUT OUR PRECIOUS FIR BABIES SHAME SHAME SHAME ON TRUPANION WORSE CUSTOMER SERVICE EVER 2 THUMBS DOWN
5
out of 5
POSTED: | BY: Ruth Holmes
I recently registered a stray ( I’m…
I recently registered a stray ( I’m keeping him) so I wanted to get insurance as he’s a young male .
The process of setting things up was quick and easy peasy. My advisor was most helpful and very knowledgeable.
I received my policy by email immediately after my initial call .
I know from all the positive experiences that others have had , Ryan Charles will receive the same loving care.
Also, love that in the event that I leave before my boy , his plan can be transferred to his next guardian angel.
Thanks , again for the help … 💜
5
out of 5
POSTED: | BY: Deborah
Love the news you send out and voting…
Love the news you send out and voting opportunities. Love ideas on how to keep my dog healthy. Thank you!
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