4
out of 5
POSTED: | BY: Mary
Good insurance company
There pricing has been consistent. Customer service and processing is great. I wish they covered part of the doctors exam.
4.8
out of 5
Number of reviews 27,619
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: James
Excellent Service
Trupanion was there when we needed it. In the past when our pets had become ill, the vet bills would mount quickly. After a couple of trips to the vet cost us a few thousand dollars, my wife and I invested in a Trupanion policy. While we hoped we would never have to file a claim, we wanted to know that in the event that an unexpected emergency occurred, we would have financial support for the vet costs. Unfortunately one of our cats was stricken with acute leukemia. After two weeks of tests and blood transfusions, the only course of treatment left was to put our beloved Cleo to sleep. The loss of one of our pets was very difficult, but thankfully we had Trupanion and the vet bills did not add to the grief.
4
out of 5
POSTED: | BY: Leslie Perry
Great pet insurance
claims are paid fast. it covers most thingsonly complaint would be the fast rising premium rates. They have increased over 100% in the last 8 years. I don't believe it has to do entirely with rising vet costs as they have definitely not increased that much.
5
out of 5
POSTED: | BY: Leah
Trupanion's Lauren Littlefield is the best!
Dear Gina:I received your email address from your employee, Lauren Littlefield.
I asked Lauren for her manager’s email address because I wanted to write to you to tell you what a wonderful employee Lauren is and what a wonderful job Lauren is doing!
I have a Dachshund named Manfred who is currently in the hospital with a large ruptured disc on his back. I spoke with Lauren numerous times last week to get preapproval for my dog’s surgery which took place last Friday. I had to make sure that we could afford to save Manfred’s life because we love him so much. Manfred will be 6 next month.
Lauren was so wonderful, kind, understanding, sympathetic, empathetic, and quick acting in processing the details I gave her that I had to tell you about it! Lauren is worth her weight in gold, she really is.
Lauren is probably the nicest stranger on the phone that I have ever spoke with in my life and I am 53 years old. Lauren was so nice to me that it made me cry because anymore you just don’t expect strangers to be that nice to you. I did take the survey I was emailed but I wanted to take the time to reiterate my feelings personally to you as Lauren’s manager. Lauren helped me get through one of the most difficult days I’ve ever had in my life. It’s a horrible thing not knowing if you can afford to save your beloved dog.
My husband and I have had six dogs over the past 20 years and at one time or another one of the dogs has had to go to the emergency room but it
5
out of 5
POSTED: | BY: Maria Queeno
Very Satisfied!
My dog had surgery to repair his ruptured disc in his back . . . It took less than 2 weeks to get our 90% reimbursement check in the mail! We got almost $5,500 back on our claim of $6,500!
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