5
out of 5
POSTED: | BY: Sue Mahackian
Halle's claim
Chemo treatments
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.
5
out of 5
POSTED: | BY: Shannon L.
Great claims service!
Had a claim involving four vets in two states so I was concerned it would be complicated. Turned out to be no problem and the claim was handled quickly.
5
out of 5
POSTED: | BY: David Lakes
Superb customer service!
Easily understood policy, very fair claims handling, and outstanding responsiveness have been my experience in working with Trupanion to ensure my pet's health
5
out of 5
POSTED: | BY: Tyrone terry
Excellent company
My 3yr old lab was ran over and did significant damage to his rear legs and hip, trupanion was extremely fast and effecent I'm getting my claim started and approved so we where able to get our fur baby the service and surgery he need
5
out of 5
POSTED: | BY: Emily Norton
Trupanion is Terrific!
I cannot say enough good things about Trupanion! My wonderful veterinarian gave me a flyer from her office about Trupanion insurance for my precious kitty. At that time my kitty was only 3 years old and very healthy getting good reports from the vet. I came home and laid the flyer down on my desk and it of course got covered with other papers. In March of 2015 I decided to clean my desk and found the flyer. I decided to go ahead and purchase the insurance. It was very affordable and easy to do on line! At the time I was assuming I would not need to use this insurance for another 5 years hopefully...as my kitty was very healthy...however, in June my precious kitty did get sick and we had to rush him to our local kitty Emergency Center. Needless to say we have incurred around 1,000.00 dollars in expenses. I had only had the policy for 3 months and they were amazing, caring, polite, considerate, and professional in dealing with my claim. I faxed my claim and they emailed me the same day. Then they kept me posted with emails on how the claim was coming. Every experience I have had with them has been quick and pleasant. I truly cannot say enough good things about Trupanion. Everytime I go see my vet (which is more often now) I tell her office staff how good Trupanion is and they can feel confident recommending this company. I would have never joined Trupanion had my vet not given me this flyer so I am ever so grateful to her for giving me this valuable information!
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