5
out of 5
POSTED: | BY: sherry
Quick, easy, awesome
Love Trupanion. They're so easy to deal with. No runaround,quick reimbursement. Highest recommendation!
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: Nancy Kochheiser
Service and response time have been excellent!
We have been quite impressed with Trupanion's handling of any and all claims. They are prompt, fulfill their commitments on coverage,continually provide email communications re: status of claims and if you call, they are always very courteous AND actually concerned about the pet's well-being!
5
out of 5
POSTED: | BY: Chiquita/Brunilda Casiano
Chiquita health
I thought that having a health insurance for my 5 lbs chihuahua named Chuita was ridicously. But I soon realized that my little companion health was that ultimate priority for me. Trupanion was recommended by our vet and I am soo glad we decided to join. We have had only excellent results without any hussle on claims. I have recommended Trupanion to others pet owners.
5
out of 5
POSTED: | BY: Taro Kawai
Best insurance ever
I had ASPCA for my two cats for years. It was real B.S. You know ASPCA should shame themselves. Only cover up to $1500 for one incident/year only. I kept ASPCA feeling like my good will against my instinct. Finally I moved to Trupanion last October. Then one of my cats got kidney failure. Last October was transition time so my cat was double insured. ASPCA only paid me $1500 out of $7000 plus cost after weeks of communication. Trupanion pick up the rest. It was close to 90% of the balance. And fast. Right I submit the document from ASPCA, it only take 10 days. Trupanion I will give A. To ASPCA, I will give C.
5
out of 5
POSTED: | BY: Heather Hudson
Professional and compassionate
From the day that I enrolled my little rescue, the experience has been nothing but professional and when it came to the the appropriate time compassionate. Always helpful, knowledgeable, understanding, they actually listen! Seriously, everyone should have pet insurance that has a pet, or reconsider having a pet. Because what happened to me could happen to anyone, and, it was boom, out of left field! I was grateful that I did not have to make the decision to put the sweetheart down. So get insurance! Or be responsible and don't get a pet if you cannot afford to really take care of it.
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