5
out of 5
POSTED: | BY: K. Oliver
An absolute must-have service for Labrador owners
Excellent service. I highly recommend Trupanion insurance to anyone who has a family pet.
4.8
out of 5
Number of reviews 25,888
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.
3
out of 5
POSTED: | BY: Steven VanDyke
Confusion
I felt like I did half the work. Two claims were filed and they were confused on which claim went to which pet hospital. After many email, faxes and phone conversations, things got cleared up. It was very frustrating doing the work when I'm paying Trupanion for the service! Then, I get a major rate increase! Also, representatives are slow to respond to emails, when it concerns more claims on the same pet. I guess it's wrong to expect quick turnaround, but we have to pay on time! They are a 24/7 company......right? Not sure if I would recommend or not.
5
out of 5
POSTED: | BY: Kim Tremblay/Al
12 week old puppy with kidney failure
I am still astonished at the service and coverage of Trupanion. I can't even begin to tell anyone how wonderful this coverage is!! Having a puppy get so sick and so early was stressful enough, let alone worrying about vet bills. Trupanion paid exactly what they describe! AMAZING service! Sign Up!
5
out of 5
POSTED: | BY: Victoria
Quick service
We have 2 pups, and this was our first claim for either one of them, after an acute case of pancreatitis and a night spent at the emergency vet. The claims process could not have been made any easier, and the staff were extremely helpful when I called up with questions.
We got most of our costs reimbursed, and there were no surprises in terms of what the insurance covered and what it did not cover, which is honestly a refreshing feeling in the insurance world.
5
out of 5
POSTED: | BY: Jackie
Fast claims processing; honor claims
This is the second claim I submit that has been timely and properly honored. The claim was processed directly with my vet. All I had to do was fill out a simple claim form and they took care of the rest so I could focus on our dog's rehabilitation.
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