5
out of 5
POSTED: | BY: Heidi
Very pleased with coverage.
I have two cats and a dog insured. My dog and one cat have had some serious illnesses. Trupanion works rapidly with my vet and reimbursement is quick.
4.8
out of 5
Number of reviews 27,162
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.
4
out of 5
POSTED: | BY: Ernie
Great Service
One of our dogs has needed to use her insurance often for different reasons.Most recently though, she needed her meds refilled for her ongoing thyroid condition. As promised Trupanion reimbursed us for the medication at the rate of $90.
My only concern is the rate increases that we are told are area wide. Once your dog becomes older you aren't really able to access reasonable rates.
5
out of 5
POSTED: | BY: Christina
Best pet insurance ever!!!
Claims are paid quickly and at 90% of covered items. The communication via email is wonderful as well. They let you know they received the claim & how much they will pay. Are also concerned about the pet's health.
5
out of 5
POSTED: | BY: Donald
ACL Surgery
Dog needed ACL surgery, Trupanion covered 90% of surgery and related expenses.....Claim was processed immediately and I received reimbursement check in about 1 week.....GREAT COMPANY and GREAT SERVICE!!!!
5
out of 5
POSTED: | BY: Patrick
Awesome Service and fast, fair payment!
I am very happy I chose Trupanion for my cat; Qtip. I've had coverage with Trupanion since I adopted him a year ago and took him in to have his teeth cleaned and for a check up. The doctor noticed a lump on his hip and decided it needed to be surgically removed so handled that while doing the teeth cleaning. The bill was $835.95 and the only part not covered was the teeth cleaning and some vaccinations which I would not have expected coverage for. Q-Tip's surgery was on May 8th and I just received an email from Trupanion advising they have paid our claim via direct deposit. The total they paid was $638.96. Wonderful customer service from Kyra and Carmen (the two ladies I spoke with when I called.) Trupanion is a ROCK SOLID, CUSTOMER FOCUSED, CLASS ACT! I am so glad to have their coverage as $835. out of pocket was a bit of a stretch for me but I will do anything for my little guy. Having Trupanion let me focus on doing everything needed to get him better without having to worry about my finances. The lab work on the removed tumor came back and it was cancer so catching it early and removing it hopefully has helped to ensure it didn't spread. I'm taking Qtip in for a follow up and xrays to make sure the hip bone is not showing signs of Cancer and Im glad to know those will be covered as well. God forbid anything further comes up I feel so at ease knowing I will never have to decide between getting him the best care or not being able to afford it and having to put him to sleep!
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