5
out of 5
POSTED: | BY: Toni Pepper
Timely response & a great experience!
Thank you for all your help during a stressful time. Fortunately, my Daisy Mae is okay & healthy. She is the love of our life !
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: Kim Garden
Thanks for making things simple
We really appreciate how quickly you responded to our recent claim. Great communication about next steps and prompt payment. We are telling our animal loving friends to consider Trupanion! Thanks for your help and making the process so easy!!
5
out of 5
POSTED: | BY: Carrie warren
Speedy
Trupanion is by far the best pet insurance company I have used. I've had many animals in the past and used a few other insurance companies. This is the fastest and easiest insurance company by far
5
out of 5
POSTED: | BY: Lesie Haas
Tummy Troubles for my Litzi Bulldog
Litzi, my English Bulldog, throws up every now and then. When I picked her up after my two-week vacation from my vet, Dr. Janine Oliver, she informed me that Litzi was throwing up again. I kept an eye on Litzi and then had to take her back the next week because she had started her vomiting. The exams were immediately reimbursed as well as yesterday's treatment. I am keeping Litzi under strict supervision and she is doing well as I am following the vet's orders. Trupanion has always been there for me and Litzi and when I can, I spread the word about this wonderful insurance agency to other pet owners whom I encounter. I am hoping that Litzi's vomiting symptom will subside. In any case, I know that Trupantion is not only there but they will react immediately in helping to cover all involved costs. It is one BIG worry less in life!
5
out of 5
POSTED: | BY: Nilza Torres
Thank you for your compassion towards little DiDi
Thank you for always being prompt in answering my claims. It means a lot to my husband and I. I have done research on various pet insurance companies and most don't come close to the quality of service Trupanion offers. Providing quality care for my little DiDi means a lot to us. Once again,, thank you for your compassion and kindness towards my Little DiDi. Happy Holidays always.
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