5
out of 5
POSTED: | BY: James
excellent
claims and questions were handled promptly and professionally
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: Meagan
Quick, Easy and No-hassle
I have an insured 7 month old West White Highland Terrier who was admitted to the vet hospital for chronic vomiting. The claim I submitted was for hospitalization overnight, fluids, medications, referalls etc. I submitted my reimbursement request and within a few days I had an email updating me on the progress. The next day I received an email saying the cheque had been mailed out (including the amount and applicable deductions). It was all very nicely laid out and easy to follow. A few days later I received my cheques in the mail. I have submitted 3 claims to date and trupanion has held up their end. I usually have the cheques within the week and have never had an issue. I thoroughly recommend Trupanion and am very happy I made the choice to use them for my pet's insurance!
5
out of 5
POSTED: | BY: Laurie
The holidays were happier thanks to Trupanion!
When we told our vet what our Bernese Mountain Dog, Baylor, managed to eat in his first 6 months (rope, bathroom rug, etc), he recommended pet insurance. We were actually there that day because Baylor developed a post- op infection after being neutered. We chose Trupanion and have already gotten our money's worth. Most recently, Baylor ate part of a glass Christmas ornament. We were all scared to death that Baylor could lacerate a number of organs as the glass passed through his system. We didn't have to worry about the costs of treatment thanks to Trupanion! Baylor turned 1 on Christmas Eve. We have no doubt that our mischievous "puppy" will cash in on the insurance policy many more times!
5
out of 5
POSTED: | BY: Josefa
Fast Response
I am pleased with the fast response from Trupanion. It really helps when there are larger vet bills.
5
out of 5
POSTED: | BY: KC
Trupanion is great to work with
My experience with Truepanion could not have gone better. My dog needed an operation on her elbow. A live person took my questions over the phone & e-mailed me the needed claim form within seconds. I submitted the form the day after the operation & was paid in a week! The policy cost is low, service is 1st rate. They paid 90% of the total cost with a $100 co-pay saving me $1000.00
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