5
out of 5
POSTED: | BY: Donna Hakala
Trupanion was better than expected
Claim was paid quickly and the peace of mind was pricelessWhen your beloved pet is ill , worrying about the bill is the last thing you need
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: Tamar
Great people and great care!
I have a 14 yr. cat. His age has some influence on his health and that requires me to stay on top of his medical condition all times everyday. I had a lot of support form the Trupanion team from the minute I signed with them. They are quick to respond, understanding and are willing to listen. It is great to have that kind of understanding and communication with an insurance company and most of all when it has to do with your furry loved ones.
4
out of 5
POSTED: | BY: Dawn Robinson
Good
I have so far been satify with Trupanion, the only thing is I didn't realize, weather I miss read or not clearly stated,that the deductible was for each time you summit a plan.
4
out of 5
POSTED: | BY: Cathy Heinrich
Baby teeth removed
I have a Pomeranian and he had baby teeth that would not come out and were interfering with the adult teeth. They were pulled and now all is fine. The situation was resolved.
5
out of 5
POSTED: | BY: Elizabeth Clark
So Glad I Joined
Henry is my second pet. My first dog, Snowball, came to us around the age of three and I didn't even though pet insurance existed. She was a good dog and she lived a long life, but during her last five years she was very, very sick and had to see several different kind of specialist cardiologist and opthamologists. So, when Henry came along, I signed up with Truepanion. From the first, every representative I have ever spoken to has not only been knowledgeable, very pleasant to deal with. Someone walk me through all the different possibilities available when signing up and choosing a plan. They were patient and answered questions repeatedly. What is really nice is during this process I was able to deal with the same representative rather than each time speak to someone new and explain all over again. Automatic bank deductions make payments easy and stress-free, online filing and great customer service make this a company one I am very happy to deal with. I recently filed a series of claims dating back almost one year which, due to problems at the vets office, were never properly filed with Truepanion. Once again, a friendly and knowledgeable representative (or two) was able to help me figure out what I needed to send in and basically clean up a huge paperwork mess. my claims were paid in a very timely manner – again, direct deposit into my bank account, stress free and easy! This is a fantastic plan and I am so grateful I have it. I highly recommend it and cannot say enough good things about the representatives, the various options available to pet owners and the comprehensive service and quality I have received since the day I signed up.
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