5
out of 5
POSTED: | BY: Dave
Excellent Payout Time, Very Friendly
Submited a claim on a Thursday night, and by Monday afternoon it was paid. Very friendly phone staff.
4.8
out of 5
Number of reviews 27,162
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: Archie
AMAZING !!!
Archie tried to eat a bee - it stung him on the inside of his mouth - he started throwing up, and having trouble breathing.Off to the Emergency Clinic for treatment.
We submitted the claim by Fax the next morning, we had an immediate response by e-mail from Trupanion and the claim was processed and paid in less than a week.
Trupanion staff are helpful, supportive, and knowledgeable.
This is our third dog and third insurance company (one per dog !). This is the best yet.
Thanks, Trupanion
This was the third time we had submitted a claim, and the previous two were handled in the same efficient, professional manner.
5
out of 5
POSTED: | BY: Ann
Trupanion is the pet insurane to have!!!
Trupanion is incredible. My 4 yr old rottie Marley is an accident waiting to happen. I have spent more money in medical expenses in his 4 years than I did on two other rotties that both lived to be 12 yrs. So I decided that it was time to purchase insurance. After researching various plans I decided on Trupanion. Less than two months after enrolling, Marley tore his ACL and required surgery ($3858). Unbelievabley Trupanion has covered 90% of the cost of this surgery. I cannot say enough good things about this insurance!! I am not someone who usually writes reviews but this company has come through for me. I would highly recommend Trupanion.
5
out of 5
POSTED: | BY: Marc
Trupanion Canada - excellent insurance
My dog was diagnosed by her verterinarian with distichia and referred us to an opthamologist - the opthamologist rediagnosed my dog with ectopic cillia and the surgery was done. Her original vet had told me that her pet insurance wouldn't cover any cost for this as it's a congenital disorder, well, he was wrong. My claims have been processed and Trupanion covered the costs. For my first time actually using my dog's insurance, Trupanion has made it a positive experience!
4
out of 5
POSTED: | BY: Sandra
dog insurance - male mini sch.
I do not know what I would do without my dog insurance as I am retired but on a very low income and Kaiser has had to have his both legs operated on as well as cancer over this past year and there would be no way I could fork out the amount of money it cost by myself so I feel it is well worth the amount you pay out each month and when your animal gets ill it sure helps to know that you have help in handling the money factor. Thanks Sandra Norman
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