5
out of 5
POSTED: | BY: S.J. Andre
Claim
Always on top of things, very little time to process a claim, pleasant to deal with.
4.8
out of 5
Number of reviews 27,629
Updated: November 13, 2023
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: Dianne Rowsell
Best decision
Great service, quick processing and would recommend highly.
5
out of 5
POSTED: | BY: Sonya Trejo
Excellent
Speechless by how helpful they are and the quick turnaround.
5
out of 5
POSTED: | BY: Harriet Nolan
Insurance great for my 9 yr. old cat.
I have a 9 yr. old neutered Siamese cat I got from Siamese Rescue when he was two. He had very bad gingivitis resulting in my having to have most of his teeth extracted at age three; a very expensive vet bill resulted. After that he was very healthy until age 9 when he suddenly became ill with acute kidney failure. I quickly took him to my veterinarian where he was hospitalized for 5 days, came home for two, but relapsed and was hospitalized again for another three days. He has gradually recovered and is doing well with twice a week hydration and a phosphate blocker added to his food twice daily (he will not eat prescription kidney food). Luckily, I had taken out insurance on him with Trupanion the year before. Even with an $800 deductible, the insurance started picking up 90% of the eligible charges for the first hospitalization and has been paying 90% on all the subsequent charges connected with my cat's ongoing kidney disease. This has been a great relief to me as vet bills for some illnesses can be astronomical. I also have another cat insured with Trupanion and feel confident that I will be able to do my best for her if she has any unexpected medical problems. I consider my insurance premiums to be money very well spent!
5
out of 5
POSTED: | BY: Jeannine Dougherty
Labradoodle ACL Rupture
Fast response time once claim had been received, no issues. Our Labradoodle is healing a little more with each day of her 5 month recovery. Thank you Trupanion!
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