5
out of 5
POSTED: | BY: Patti
Excellent care and service.
Trupanion is an excellent pet care insurance. No hassles and quick payment--sometimes payment is made electronically on the same day the claim is submitted.
4.8
out of 5
Number of reviews 27,189
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: Ses
Very fast processing time
I had to submit a claim for my dog after one year of chasing our tails trying to figure out why she was having recurring urinary tract infections. I agreed to have a vaginoscopy performed (cost was over $600.00) which uncovered the origin of all of her problems. Even better, I submitted all of my invoices for the past year and everything was covered! I was very happy with the incredibly fast processing time, I know for a fact that some other pet insurance companies have a 10 week processing time for claims, but I had cheque in-hand about a week after sending in my paperwork. Very impressed!
5
out of 5
POSTED: | BY: Tammy
Best Choice We Have Made for Pet Care
Trupanion has been a literal lifesaver for us. We adopted our dog a year ago. At the time, he was 6 years old with an unknown history. After reviewing all of the pet insurance policy offers we received from the rescue we chose Trupanion because it seemed to be the most comprehensive. Also, they have a sliding scale that changes your copay based on the out of pocket per incidence amount that you choose and the additional items that you can ad and pay extra for like physical therapy, acupunture, etc. They have always paid quickly and are very prompt in all responses. My only regret is that we didn't choose a smaller out of pocket option! I highly recommend this company. They are better to work with than my personal health insurance company.
5
out of 5
POSTED: | BY: Lori
Trupanion is the BEST
I was always skeptical of pet insurance. I found Trupanion hoping that I would never have to use it but unfortunately I did. My boy has cancer. They have been more than accommodating, lovely on the phone and via e-mail, pay for what they say they will, and the reimbursement is immediate. I am so thankful for Trupanion! I can't say enough positive things about them. All I can say Thank you! Thank you! Thank you!
4
out of 5
POSTED: | BY: Susan
Very Good!
Trupanion is quick to process pre-approval forms and in evaluating and paying claims.
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