4
out of 5
POSTED: | BY: Tracy
Good
The express submittal process does need a little work - hopefully that will speed up - but I am always happy in general with mt Trupanion interactions
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: Ann P
Trupanion is wonderful!!
This pet insurance is the best thing we ever purchased. Our Bernese has had a couple of issues and the coverage was just as advertised. It is easy to submit claims and the payment is prompt! I wish my health insurance was as efficient!
5
out of 5
POSTED: | BY: Dana Squares
Great to work with!
Gunnie chewed up her e-collar (& duct tape) after her spay surgery, and was vomiting. She needed xrays to determine if there was an obstruction. I sent the claim form and her records & the invoice to Trupanion. The $ will be in my account today.:)
1
out of 5
POSTED: | BY: barbara feldman
the worst
Find excuses not to pay anything and everything. Accepted a 7 year old showdog, not neutered, now refuse to pay for emergency surgery for life threatening illness (pyometra) because she was not neutered by age one. That was after they said it was because she was (1)a service dog (she is not) then they tried (2) breeding dog (she is not). Letter submitted by vet explaining necessity for surgery. Really bad company.
5
out of 5
POSTED: | BY: Jean Campbell
Trupanion came through for Hugh * # 1 Pet Ins!
I submitted a review and it was not posted! I have proof that Trupanion paid $30,867 if you want me to send you my info! ____________________________________________________________
REVIEW!
Hello,
I just read through some of the reviews for Trupanion and I can't believe anyone would have anything but great things to say about this company. My experience has been 100% positive.
I read a couple of the negative reviews that Trupanion didn't pay for hardly anything. What I tell people is, don't wait until your pet has a condition. Get the insurance just in case. When I share my story I am amazed when people say I will wait until my pet gets older. Big mistake, it's a gamble because animals get sick when they are young also. I just got lucky because I signed up when my dog was completely healthy with no health issues and he was older.
I was in Pet Food Express in Mill Valley, CA and one of the staff recommended pet insurance for my 10 year old Doberman. Hugh was in excellent health and I could not for see him ever having any health issues however, I wanted to make sure if he did I could give him the very best care without worrying about the cost of care.
If you are looking for pet insurance I can't say enough great things about Trupanion. Trupanion reimbursed $30,867 in less than a year for my 12 year old Doberman Hugh. My deductible was $500 and they paid 90% after the deductible with no limit. The service is also amazing. Each time I called, I have spoken with a very friendly healthful representative. The company is made up of animal lovers.
I signed up with Trupanion on July 10th, 2012. Hugh was diagnosed with an Osteosarcoma (bone cancer in his back leg) August 12th, 2013. I scheduled surgery with an orthopedic surgeon in San Francisco.
They amputated his leg August 14th. Trupanion called right after the surgery to ask, how's Hugh doing? Not once was the amount of his care brought up. They were genuinely concerned about how he was doing.
The bills for the week of surgery were over $9000 and then they continued because I had to act fast because they gave him less than 6 months to live if I did not do chemo. Even though Trupanion would pay for chemo which is very expensive, I did not want to go this route for treatment. I choose to treat Hugh holistically and Trupanion paid for all the holistic care and supplements that the vet prescribed.
After a few weeks of recovery I put him into rehab. Hydro therapy, Acup
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