5
out of 5
POSTED: | BY: Sandra
Worth it
Very happy with this insurance. They answer questions when we call and payment for claims are prompt.
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: Rick
No Hassle - Fast Service
Possible torn ligament right rear leg. Initial consultation and follow up x-rays. Claim filed directly with Clinic, receipt email and also claim information email within 2 days. Better service than with my medical plan.
5
out of 5
POSTED: | BY: philip
worth having
Recently had a major dental claim for our 5 year old javanese. Trupanion reimbursed $1485 of a $2000 bill (there is a deductible and there were some not insured items on the bill) within two weeks. Very good about communicating the status of our claim. Would recommend to anyone. Have had several rate increases since beginning-only reason rating not 10.
1
out of 5
POSTED: | BY: Amy
HORRIBLE
I am not one to complain online about things. As a matter of fact, I do not think I have ever written a review about a business before, pleased or un-pleased. We enrolled our Italian Greyhound puppy in TruPanion, due to the fact that IG's are famous for breaking legs and we were worried with our puppy being as silly and as fast as he is, he may end up breaking a leg, which as you know, can cost thousands of dollars to repair. In October, our puppy ate some plastic from our window blinds which caused him some diarrhea and vomiting. We took him to the vet were they ran some tests and blood work. All came back negative for any type of bacteria or infection. He passed the plastic the next day and was fine. The vet concluded it was caused by the plastic and no further tests needed to be conducted. In December, our puppy became extremely ill. He had some type of bacterial infection (probably picked up from Petsmart because they are FILTHY, but that is whole other issue). Long story short, the tests, medicine, and care ended up costing almost $1400. We submitted a claim for reimbursment to TruPanion and it was denied becuase they said the December incident was a pre-existing condition, which is absolutely ridiculous. How is eating plastic and having a bacterial infection the same thing? We had our vet write TWO letters to them explaining how one was caused by the injestion of the plastic and one by a bacteria. They denied the claim again coming back and saying this time
4
out of 5
POSTED: | BY: Tracy
Jasper
Jasper needed surgery on both of his front legs & trupanion made the process of pre-approved payment to have this done, it was such a relief. Now I recommend trupanion pet insurance to any of my friends with animals.
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