5
out of 5
POSTED: | BY: Dawn
awesome
very quick with review of claims and getting back to me with a breakdown email. I only wish that you would cover heartworm and preventative fee meds that are prescribed.
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: Milton
Great Job Trupanion
Great job TrupanionEasy to file forms answered the phone right away lovely assistants that helped me to submit my claim and my payment came immediately!
I would recommend Trupanion to anyone!
Thanks for the good job Milt...
5
out of 5
POSTED: | BY: Kelly
Love trupanion!
Trupanion is worth every penny. I am a vet tech/veterinary student after seeing how well Trupanion treated our clients, I decided to sign up as well. I have 6 animals, so I pay a lot per month in order to insure everyone, but it is worth it. 90% coverage for accidents and illnesses. Since I signed up this year, I have already received $1500 in reimbursement from Trupanion and it would be twice this but I am fortunate enough to get a 50% student discount at my schools vet hospital. This reimbursement well exceeds the amount I pay per year in premiums for all 6 of my animals. My first claim was for my dog's pancreatitis. My second was for my cat's ear polyp. At first trupanion rejected the ear polyp claim because they thought it was pre-existing since my cat had had an ear infection in that ear previously. However, they encouraged me to appeal to claim by having my veterinarian write an appeal letter. They were very fair about this appeal process and actually overturned their previous decision and covered the surgery! The appeal process did take about a month and a half, however normal claims go through within 1 week. Can't say good enough things about this company.... A must for every pet owner - you never want to have finances get in the way of treating your pet during an accident or illness, and trupanion is the best way to avoid this and provide the BEST care for your beloved pets!
5
out of 5
POSTED: | BY: Dominique
Incredible speed and efficiency. The best.
After a seizure I took my dog to The Animal Hospital in New York. After several tests they discovered that she had pancreatic cancer and the tumor could be removed. Trupanion was fantastic. It took a little longer(10 days) for them to pay me back because it was the first time I made any claim and they needed information from her vet. But I have never seen such efficiency and speed to send me a check. I was amazed and so impressed.I highly re command them.
5
out of 5
POSTED: | BY: Sam
Trupanion is GREAT!
My almost 6 year old amstaff mix had a dying tooth (pulpitis). Extraction was possible but a root canal was recommended because it was a large canine tooth. That meant $2500+ all told.
Trupanion rushed to get vet records from two hospitals and pre-approved the claim between a friday pre-surgery exam when I first got the estimate, and the root canal the next wednesday.
Trupanion covered everything except a $24 acupuncture needle (I declined a rider that covered acupuncture and other extra treatments) and sent out a check for nearly $1800 the day after I submitted the final invoice (I chose a $500 deductible with 90% coverage to keep premiums down).
I was already stressed about my girl having general anesthesia and a surgical procedure, but Trupanion took away all the stress about money. They were helpful, caring, responsive, and informative and I'm so glad I was insured with them!
And a bonus - Trupanion's deductible is lifetime per-condition, not annual or per-visit, so now that I've met the deductible they will cover 90% of her followup visits related to this condition and surgery! They let me give her the best, vet-recommended care without worrying about whether I can afford it.
I can't recommend Trupanion highly enough after this experience, especially compared to stories I've heard about other pet insurance.
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