5
out of 5
POSTED: | BY: Riva Eid
Friendly imformative
Friendly imformative
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.
2
out of 5
POSTED: | BY: Melissa Noftle
I recently had an issue with my dog that Trupanion denied the pre-approval for even though I provided justification for the coverage and they already approved and paid the first claim relating to the issue.
I recently had an issue with my dog that Trupanion denied the pre-approval for, even though I provided justification for the coverage and they already approved and paid the first claim relating to the issue. I then tried to appeal the claim, had my vet clinic call them (as they also feel this claim should be covered), only to be denied again and then told that I essentially have to get the procedure done to appeal the claim as pre-approvals canât be appealed. I am very disappointed that I pay all this money to the insurance company and then get denied for something that was not known to me prior to getting coverage.
1
out of 5
POSTED: | BY: Mel
Be aware. Your claims process will not be an easy one
Not happy at all with my experience with this company. I have worked with insurance companies in the past, and I have never had an experience like this where the claims agent was doing everything possible NOT to honour the claim. After a “system error” we had to follow up with an appeal to have my deductible removed from a second claim for additional testing for a foreign body.
Once they got their hands on the vet notes they found every reason under the sun to try to deny the claim.
Finally after three calls from my vet they finally pushed through the claim and I got 50% of my bill back.
Their managers basically gaslight you when you get on the phone with them, saying how wonderful trupanion is in response to your complaint. It’s incredibly invalidating.
A lot of their marketing is misleading. There’s so many loopholes they’ve created to deny a claim. Basically if your dog has had anything ever - it could be called a pre-existing condition and your claim would be denied.
If you choose to use this company do so with a low expectation and don’t pay high premiums bc it’s not worth it and use it with the expectation that illnesses most likely will not be covered and for accidents only (even then - I wouldn’t be surprised if they a prexisiting condition caused the accident) They extort people for their care for their animal companions like a wolf in sheeps clothing. If you have a complaint it goes NOWHERE. They are there to make money plain and simple under the guise of care. Reporting to the BBB.
5
out of 5
POSTED: | BY: Tom Goldsmith
Easy Peasy
Fast, simple, and pleasant phone associate
5
out of 5
POSTED: | BY: Rachel Corrioni
Thank you very much.
fast and more than fair. Thank you very much.
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