5
out of 5
POSTED: | BY: Julie
Excellent
This insurance is easier to navigate that human insurance
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: Celynn
Unbelievably Fantastic !!!
Quickest service on anything ever. You are notified when the claim is received, notified as they process the claim and notified when the claim is settled. They received my claim on a Monday and I had my check on Friday. NO ONE gives such great service. Much better than my own insurance company. I love Trupanion. I've had three claims (same issue) and all were processed with the speed of light. Incredible ! And the people are truly animal lovers and care. I switched my dog from an all natural premium food to a grain free and he had nothing but gasto intestinal problems... the x-rays were expensive and the treatment and he is still on a mild stomach pill. The expense was enormous and I am so glad I invested in pet insurance for my two dogs. Bleu is a blue tick hound and while he eats anything weird, grain free is not for him. Thank you Trupanion for covering all my expenses.
2
out of 5
POSTED: | BY: Zeus
Very disappointed
Please see an exerp from an email that I sent to Trupainion upon completion of my claim:
"I received 3 claim process notices (the one here 271018, 269924 & 269923). My query regards why I was charged 2 deductibles when this was all done in 1 procedure. 1 on the claim here (27018) and as well on 269923. I do note that Trupainion has divided the claim into 2, but I am sure that you can appreciate that the scheduling for these procedures were to save money (for Trupanion as well as us) on anaesthetics as well as undue stress on Zeus if we were to have done this one 2 separate occasions."
Trupanion's response is below:
"Our deductibles are per condition. As Zeus was under he was treated for the masses as well as his oral care. As there are two different condition we had to apply the deductible to both conditions."
I cannot tell you how utterly disappointed I was with this response.
Tina Furber
5
out of 5
POSTED: | BY: Linda
Exceptional Company
I cannot not say enough good things about Trupanion Pet Insurance. I insured my Doberman at 10 years of age.
Approximately 6-7 months after policy inception she collapsed in my living room with a heart problem. Shortly after she developed problems with a mass on her leg that was inoperable due to her heart issues.
This company paid approximately 18,000.00 to 20,000.00 dollars over the course of time that she was insured.
I had a 250.00 deductible and they paid 90% of everything except office visits.
This company is phenomenal.
My girl enjoyed a great quality of life up until the end.
I could not have afforded to take care of her with all of her issues without Trupanion.
They are the best!
5
out of 5
POSTED: | BY: CJ
Prompt
My first experience with Trupanion was a positive one. My Vet signed me up for first 30 day free trial and unfortunately I had to take advantage of it. As soon as I vet submitted a claim I received an email that it was under review. I would guess it was within 24 hours of submittion. My reimbursement check came shortly thereafter.
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