5
out of 5
POSTED: | BY: Tracey
Trupanion - best insurance for your pet
Trupanion is the best insurance!
4.8
out of 5
Number of reviews 27,176
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: Bhawna
Claim submission process is painless!!!
The claim submission process is painless, and the responsiveness is 10/10. I am very happy.
5
out of 5
POSTED: | BY: Jessmyn
Super quick hassle free!
Super quick, hassle free!
5
out of 5
POSTED: | BY: Adam
My Christmas Miracle
Last Sept/Oct My pet, chewbacca, was diagnosed with a tumor in his stomach. Without surgery he would likely die. So I was directed by his vet, after x-rays and a blood test to get an ultrasound on his tummy. During this process the ultrasound vet suggested that I get a cardiologist to examine Chewbaccas heart to make sure he could survive the surgery.
So I was sent to another extreme care vet for the heart ultrasound. Each of these required that I pay a deductible, but the procedures needed to get done if he was to have a chance at surgery.
The heart ultrasound found a heart murmur that would need medication, the stomach ultrasound found that the tumor was attached to puppy's liver, but not in a place that would forbid surgery. So they booked the surgery and I was careful not to have chewbacca do too much strenuous activity.
The day came and I dropped Chewbacca off and hoped for the best. Later that day the surgeon called me and said puppy came through very well and would be able to go home the next day. So the next day I picked him up and he was in pretty rough shape as any of us would be after that kind of surgery. I would need to care for the surgery site to avoid any infection.
The claims process was completely seamless. With all the stress and emotions of the day and worrying about my friend of 11 years, it was wonderful not to have to worry about additional charges or the nuances that come with a major surgery's paperwork. The Vet offices did most of the paper work and i could concentrate on helping puppy do the daily things he needed to.
It's been 6 months and Chewbacca is in great shape. He walks and runs and plays like the surgery didn't happen. He's happy, hates taking his pills but is back to how he was before the tumor. I cannot imagine going through this without Trupanion.
5
out of 5
POSTED: | BY: Chrystal
Enrolment
It was super easy to sign up. And when I had a question I called in and it was answered timely and cheerfully!
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