5
out of 5
POSTED: | BY: Theresa R.
positive and effortless process
smooth transaction from start to finish. Pleasant staff to deal with and quick reimbursement. Would definitely recommend them highly.
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: Mark Chavez
I wish they sold human health insurance
My 3-1/2 year old Vizsla was as healthy as ever, then a lump developed, it was cancer. 3 surgery's later he is fine but more could develop down the road. I bought him the health insurance when he was a puppy, wondered many times if it was worth it, boy was it worth it.The Trupanion people were great, helped me with the simple forms, the vet was contacted by them for records, I received my benefits statement, all within a week. I faxed the next 2 surgeries bills into them, both times the next day I was sent my statement. Reimbursement checks all came the following week. I just can't say how nice they were/are and how easy it was to do business with them. OUTSTANDING company. You never know whats going to happen, this was the best insurance experience we have ever had, including our own human health insurance. I am now a customer for life....
5
out of 5
POSTED: | BY: Dan
Having Trupanion is a must.
Excellent response.Excellent communication.
5
out of 5
POSTED: | BY: Stephen Grant
Doggy Falls & Recovers
My little (11.2 lb) doggy fell off the back of the couch landing on a marble window sill and then down onto the tile floor. I went to move the couch and there she was behind me smiling and looking up at me. The following evening I had her in the emergency room. About 1 1/2 weeks later I was having to discuss putting her to sleep with the Vet. With medication, care, love, and prayers my "Little Puppy" is getting back to semi-normal. Trupanion was fantastic in their attentiveness, handling and phone discussions (I think I actually heard the Trupanion person crying a little also). Brandy and I are on out way back to a normal.
5
out of 5
POSTED: | BY: J Spataford
Trupanion is the real deal
I am exceptionally pleased with Trupanion. While I am thankful for the times I don't have to use it, when I have had to, Trupanion satisfies my claim quickly and with no hassle. I've recommended it to my many pet-loving friends. It was recommended to me by my veterinary practice who said their clients recommended it above other insurers.
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