5
out of 5
POSTED: | BY: Alan Katof
For Real
They are there when you need them with prompts service that reflects exactly what is in the agree. Trupanion is very easy to work with.
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: Suzanne
A tribute to Cooper the Golden Retriever
Cooper was insured with Trupanion when it was Vet Insurance and he was only 8 weeks old. Throughout his life, Cooper needed veterinary care and I never hesitated knowing that Cooper had health insurance. One time Cooper was hit by a car. I was devastated and did not have my wits around me. I called trupanion and they arranged to have the vet directly bill them for Cooper's medical costs and Cooper came out with just had a leg abrasion. The vets did a thorough examination and took x rays and a MRI, the way that trupanion looked after Cooper by arranging the billing, let me concentrate on Cooper's immediate needs. Cooper lived to be 12 years and 11 months and trupanion was as good as their name. Cooper was always medically looked after and they always came through.I would recommend them to anyone looking to insure their pet.
5
out of 5
POSTED: | BY: Teresa
Excellent Policy
The best decission we ever made. I have never owned a dog before and it was suggested we get pet insurance and at first I thought whatever...but let me tell you, we have used it and we have no trouble with claims. Our puppy has had her fair share of issues and is now 2 years old and all I can say is, thank you Trupanion! If only they had "human" insurance like this one!
5
out of 5
POSTED: | BY: Michael Singleton
Great Insurance
Great customer service. I would strongly recommend to anyone looking for pet insurance. I had Trupanion on my little guy just three weeks after I got him. He is a pekingese male and had a back problem. I am just glad I had the insurance.
5
out of 5
POSTED: | BY: Gina and
Peace of mind and a FIGHTING CHANCE!
After watching my best (human) friend fight emotionally and financially to save her sweet, uninsured 3-year-old corgi who we all loved so much, I knew that as a single parent I would be devastated if that ever happened to my dog. Scooter, my corgi cross, was almost 4 yrs old when I decided to enroll him. He was healthy, happy, and amazing. He was also my ring bearer in our weeding last year--he is truly a part of our family. He's now 5 1/2. About 3 weeks ago, Scooter's health suddenly changed overnight, and it was terrifying. A week later, our worst fears were confirmed: a histiocytic sarcoma in his head. With the peace of mind of having Trupanion, we were able to take him to UC Davis Veterinarians, and their team of neurosurgeons saved him. Trupanion worked quickly with us so that we could focus on our buddy! They have been so kind, "tru" to their word, and we will never spend a day without their pet insurance for our dogs (today and those in our future) as long as WE live! We cannot thank them enough. They've helped us give Scooter a fighting chance. He is currently cancer and tumor free (though awaiting chemo), fetching, taking walks, and begging for bacon barely a week and a half after surgery. His scar is quite impressive--just in time for Halloween :) We have our best friend back, one day at a time, and we couldn't have done this without Trupanion. We have literally told everyone who will listen--even total strangers in the vet hospital! GET THIS FOR YOUR PRECIOUS PETS! No point in shopping elsewhere. They are simply the best, and they will share your sense of urgency. Love them!
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