5
out of 5
POSTED: | BY: Laura
Treatment eye disorders
My Pekingese Annie requires several medications to deal with her eye disorders. Trupanion has been great about paying the claims I submitted.
4.8
out of 5
Number of reviews 27,139
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.
1
out of 5
POSTED: | BY: Christa
Waste of money
We took out Trupanion policies for both our puppies when they were about six months old. One dog suffered a poisoning from eating a cigarette butt and ran up a $900 vet bill, of which Trupanion acknowledged $800 would go towards our $1,000 annual deductible. Then the next year premiums came. Not only did rates go up for both dogs (who are still under 2 years old), but they also changed the terms of the policy so that $1,000 lifetime deductible is now "per diagnosis", not per pet. The customer service person I spoke to was rude and had an attitude of "well just cancel the policy if you don't like it." That's exactly what we will do! DON'T WASTE YOUR MONEY WITH THESE PEOPLE.
5
out of 5
POSTED: | BY: Allison
Unbelievably Easy
We have two cats and have had them insured with Trupanion since we got them and have had nothing but incredible support from Trupanion from the beginning. When we have to make a claim, their turn around time is very minimal, so we usually receive our cheque within a week or so. They are always around to answer any questions for us and give us fantastic service. I recommend them highly to any other pet owner/lovers.
5
out of 5
POSTED: | BY: Gina
Always the Best
I have two pets, one is on Petsecure and Miela is on Trupanion from the moment we had her. Trupanion super-exceeds Petsecure by a long shot! Trupanion is always diligent in processing insurance claims and also their 90% coverage without deductible is amazing, the fact that they also cover Hip Dysplasia is a relief. I have and will continue to recommend Trupanion to all my friends and family who have pets. Trupanion cares and is #1 in our household!
5
out of 5
POSTED: | BY: Patsy
Great service and peace of mind
Our sweet 11+-year old cat has developed cancer which can be treated as a chronic condition. She has been insured with Trupanion for many years. The diagnostics and interim care were very expensive (nearly $4,000 in costs in 7 months). The ongoing treatment and monitoring will be perhaps $1,000 per year for the rest of her life.Our kitty is responding very well to the treatments and is once again her happy self. Trupanion has paid all claims promptly, with a caring attitude and great follow-up. Thank you to Trupanion for its excellent insurance plan and helpful staff. There is another benefit to having pet insurance: we always travel with peace of mind. Our pet sitter and our vet both know that if anything happens to our kitty while we are away, cost is not an issue: the treatment should be based on what's best for our pet in the long run.
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