5
out of 5
POSTED: | BY: ELIZABETH
Claim for vaccine reaction.
Claim settled very quickly and efficiently.
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: Bob
Wonderful pet insurance company
Trupanion is quick to process claims without any problems and their customer service is very good. I recommend them to friends and anyone else. I am so glad I took out pet insurance.
5
out of 5
POSTED: | BY: Patricia
High recommend!
My first claim with Trupanion was covered with no problems, and I was so thankful that I selected their company for my puppy. Our German Shepherd is now 5-1/2 months old and was recently diagnosed with SIBO following a trip to an emergency veterinary hospital. It is nice to know that Trupanion was there for us and processed our claim in such a timely manner. We were able to obtain highly professional treatment and care for Anna at this specialty hospital thanks to our coverage with Trupanion. I had recommended this insurance company to my daughter when she got her puppy, and I am so glad that I went ahead and purchased it for our pup. My daughter has had her policy for three years and has never had a problem. Highly recommend!
5
out of 5
POSTED: | BY: Kimberly Brown
The best out there!
I had VPI as my first pet insurance. After spending $8000 on cancer treatment for my 5 year lab mix (RIP Jada), VPI paid out less than $2000. My vet office told me about Trupanion! I did not renew my VPI insurance on my other dog. I have only had to make small claims on my current two dogs (Stella and Buddy). Those small claims I received over 75% of my total vet bill. Buddy was hit by a car in February 2013, after emergency vet visit ($600) and oral surgery ($1900); Trupanion paid out $1700. I was so shocked that we recieved such a large return compared to VPI. The claims were processed in less than week! I will always cover my pets with Trupanion and tell all of my pet loving friends about them!
5
out of 5
POSTED: | BY: Debbie Hendley
Excellent
Any expected chronic illness of Addison's disease has left us with long term health care commitments with our puppy Hailey. We never know when an Addison's crisis will occur. Or unexpected bloodwork, hospitalizations or medication interventions during stressful periods. Trip anion helps offset the medical expenses. If not for pet insurance Hailey may not be us
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