5
out of 5
POSTED: | BY: Jane
Excellent
I have been with Trupanion since 2006 and have only been disappointed once. The error was not Trupanions but the Vet specialist that told me something was covered that was not.
4.8
out of 5
Number of reviews 27,140
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: Lori
Fantastic
Our 11 yr old Samoyed had several mammary masses removed. Trupanion was great in reimbursing our expenses. Communication from Trupanion has been excellent.
5
out of 5
POSTED: | BY: Naum
eazy to work with
I placed my dog under insurance with Trupanion when he was 1 year old. He is now almost 8years old and he has diabetics and cataracts. I am glad that I have an insurance for him and that the company I am working with is Trupanion. This company is very eazy to work with.
5
out of 5
POSTED: | BY: Izzy
Worth every penny!
After my first dog got sick and spending over 9k to give him the best chances of survival I decided to get insurance on my second dog. Best decision I have made. I spend roughly 1600-1800 a year on his vet care since he has developed arthritis. Trupanion true to their policy has reimbursed me a good portion back each time (which actually comes to roughly what I spend to have him insured each year.) So in the end its like I have free insurance for my dog since I would spend the money anyways .. and now I have the peace of mind knowing that I won't get stuck financially if he needs more medical attention. If I ever get another pet, puppy or older, I will always get Trupanion insurance and have been recommending them to my friends. Its worth the money for the peace of mind.
5
out of 5
POSTED: | BY: Amanda
Perfect
My puppy, Harvey, suddenly became very ill and requires multiple emergency visits, the care of a specialist and other fees that totaled about 6,000. I couldn't have afforded his care without this insurance AND they were amazing! I filed my claims, talked with customer service, and was reimbursed in a timely manner. One of the best customer service and insurance experiences I've ever ever had!
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