5
out of 5
POSTED: | BY: Heather Gillespie
Awesome!
I love trupanion - they are an excellent insurance company for pets. Don't know what I would do without it!!!
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: Susan Victoria-Tyte
Wonderful company !!
I can't say more of this company !!! I had JUST APPLIED for insurance for my two dogs and this company was the easiest and really most affordable. I was thrilled. Just 2 weeks later my wonderful dog Virgil was shot by one of our neighbors (nope we don't live in the wild west!!) We live in the Hamptons (WHAT ???) Anyway when we brought Virgil in he was in critical condition and no doubt we were gonna' have a HUGE bill-if he even lived. After 5 days in critical he was ready to come home. He was almost a miracle-they had to remove 2 lungs and then sew him back up. I then sent the bill to Trupanion thinking that they would turn us down-It should be covered but you know how the USUAL insurances work-find a small loophole… I was sooo thankful when the check arrived. Now we had some reward money to try to find out who shot Virgil ! They worked so quickly I was astonished. Now they sent an E-mail to see how Virgil was. I can't say enough good things about Trupanion. Choose this one.
3
out of 5
POSTED: | BY: Deborah Wiborn
Pet Insurance
I will admit I was very impressed with this insurance company when my Lab needed surgery. Now when she is going to be needing physical therapy, they are telling she doesn't have that coverage. I'm very disappointed that no one ever mentioned plan A or plan B on top of the insurance you already have, which I would have paid out as well, and the person on the phone wasn't very pleasant either. I'm always telling people I meet how great this insurance was with my Lab, but now I'm not too sure. I don't receive newsletters about upgrades to my original insurance, so how would one know they need to upgrade? I'm very disappointed.
4
out of 5
POSTED: | BY: Robin Greer
Excellent!
Although I feel the reimbursement time should be quicker, I am pleased with the reimbursement itself. Being a single mommy to Eddie, it's reassuring to know there's help when needed.
5
out of 5
POSTED: | BY: Kristi Berlin
Excellent service
I've always had great experiences with Trupanion. My 2 1/2 year old dog has had a series of unusual health issues since he was a puppy. My Vet also has direct billing with Trupanion so I only have to pa my share up front.
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