5
out of 5
POSTED: | BY: Patricia Chamness
ACA can learn from Trupanion (but won't)
Simple, straightforward, trustworthy, affordable...
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: S. Cruz
I'm truly thankful for having Trupanion!
Over a year ago, my dog and I were involved with Strut Your Mut in Los Angeles. I raised money and my Sophie & I were planning to walk for this charity. We never did complete the walk because Sophie started acting weird. I left the ever to take her to her vet and while we were stuck in L.A. traffic, her breathing became awful. By the time we got to the emergency hospital, Sophie was unconscious! The vet brought her back to life and told me how sick she was. I had no idea what a heat stroke would appear like in a dog. I felt horrible. After 6 days (2 in the ICU) in the hospital, and $9K later, Sophie was fully recovered. If I didn't have Trupanion covering 90% of the bill, I would have to had made that awful decision all pet parents dread to make. Sophie is kept out of the sun and heat and I let other pet parents know about HS when I see their pet suffering in the Cali sun, especially during our summer months! I'm not surprised at how many do not know how to tell if their dog is going through the first stages of HS!
5
out of 5
POSTED: | BY: Margaret Burke
so glad I purchased
Turpanion has come through for Daisy, my golden, who had two serious diagnosis. I have a happy dog because Trupanion kept their word to Daisy and I. Just the Best Company.
5
out of 5
POSTED: | BY: Marguerite Forte
New Believer
I never believed pet insurance was worth the money until my dog had to be rushed to the Pet Emergency center. When I put my three month old puppy to sleep on a Saturday night she was fine, but by morning I could see she was lethargic and I knew something was wrong. I took her immediately to the Pet Er where x-rays showed she had pneumonia . She received IV fluids, antibiotics and oxygen. The final cost including x-rays was $2,000. After my deductible I received a check from Trupanion for $1,200 within two weeks. I received several updates about my claim. It was the best decision I made to get Trupanion as soon as I brought home the puppy home.
5
out of 5
POSTED: | BY: Ann
Great communication throughout process :-)
Pet lethargic and abnormal behavior.Trupanion notified me upon receipt of claim and kept me informed during the claims process via email.
The claim was processed quickly and I received a check and detailed easy to understand explanation of payment about 1 week later. I am very happy with Trupanion and would definitely recommend them to other pet parents.
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