5
out of 5
POSTED: | BY: Deborah
Great service!
Fast service and easy-to-complete claim form. Online and phone support available and easy to access.
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: Panda
Trupanion is a fantastic Resource!
Our dog was happily playing ball with another dog at an official off Leash Park in Vancouver when someone entered the park with a highly aggressive dog. The dog just ran straight for the two dogs and started attacking. In seconds the dog had torn through my dog. My husband risked himself and pulled the dog off. Sadly while attending to the injured dog, the vicious dog and owner took off. Trupanion was there for us. Did not expect to need it but … we had insurance.
2
out of 5
POSTED: | BY: Mary
Losey
I used to tell all my patients to get trupanion ins for there pets, after my golden retriever had trouble getting up stairs I took her in for exam and xrays turns out she has hip dysplasia. I submitted bill and it is over 30 days and keep being told in review.My golden got very sick within 2days and they have only paid 2 claims as of yet.They say never received claim.So they lost claim and don't want to pay on claim for diagnosis of hip dysplasia I feel they are stalling and will come up with an excuse to not pay because they think I new about it because I was giving her pain meds said no record of being prescribed but her oncologist told me okay to give. All in all very frustrated with trupanion .
5
out of 5
POSTED: | BY: Carol
yeast infectiion/ear
there have been several claims from July thru present. they have all been processed in a reasonable time frame and each and every claim was acknowedged. also, any phone inquiries I had about coverage were satisfactorily answered
5
out of 5
POSTED: | BY: Jen
Best customer service!
Trupanion is a great company that offers great service. I definitely feel like I have gotten my money's worth, and feel so good that I can give my dog the best health care because now, with Trupanion's help, money is not much of an issue.
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