5
out of 5
POSTED: | BY: Kevin
Nikki's bladder illness
Trupanion couldn't be easier to work with. The claims were submitted and paid promptly. Thanks you.
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.
5
out of 5
POSTED: | BY: Suzanne
Trupanion Coverage of Sock Puppy
When I got a new puppy, I decided to get insurance on her and our other dog. I called to set it up and was going to get a $500 deductible on both dogs. The agent suggested that I lower the deductible on the puppy since they often do foolish things. I gladly took her recommendation and set up a $100 deductible on the puppy. Sure enough about a month later, the puppy swallowed a whole sock before I could get it away from her. I called our emergency vet and had her to their office within 15 minutes. They were able to get the sock out without surgery but my stress level was lowered by knowing that I would be able to afford any and all recommended treatment for her without cringing at the costs. Trupanion was very quick about reimbusing me for my claim and covered all of the costs they were supposed to. I will highly recommend them (and have already) to anyone with a pet. Thanks to Trupanion!
5
out of 5
POSTED: | BY:
excellent
This was my first claim and they were very nice and handled everything for me. Kept me informed about the claim status via emails. Excellent experience!
5
out of 5
POSTED: | BY: Elaine
very satisfied
very satisfied with how helpful staff were and their prompt attention to the all the needs I would recomend this service to anyone Izak is starting to mend very well. He is happy stitches are now out and he is trying to weight bear
5
out of 5
POSTED: | BY: Heath
I'm a very content Trupanion customer
I rest easier now that I have a Trupanion policy that I can afford and that covers my young miniature schnauzer's vet visits. She's been insured with Trupanion since she was only a few months old, and I've already benefitted by this coverage, having been reimbursed twice for most of my vet bills. I know I can afford to give my puppy the best care possible thanks to the fact that Trupanion's insurance is affordable for me. And it's affordable because I was able to pick my own deductible. And I don't want to forget that Trupanion is great at keeping me updated when I've submitted a claim, and I've always received a check very quickly. Thanks, Trupanion!
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