5
out of 5
POSTED: | BY: Rozanne Denton Lourens
BEST pet insurance company
The BEST pet insurance company when you need it the most!!
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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: S Appelt
If not for Trupanion, we wouldn't still have our dogs.
If not for Trupanion, we would have missed years of our dogs life. My dog recently passed, but he was able to have a surgery and chemo which extended his life by 3 years. If we hadn't had Trupanion the bill would have made this unavailable to us, and we would have had to say goodbye to our bestest boy immediately. Our current dog has also had multiple surgeries and illness'. Trupanion has been there for us through it all. They are an insurance company of course, so if ANYTHING is preexisting it isn't covered. It's why it's so important to enroll your animals right when you get them. I frequently say how lucky I am that I decided to get Trupanion, and recommend them to every single pet owner I know. They saved my dogs lives multiple times.
5
out of 5
POSTED: | BY: Marlene
Looking forward to great relationship
Trupanion was recommended by my sister when I adopted my current dog last week. The price was reasonable and the coverage better than others I reviewed. Although we have not had any claims yet, when I entered the info for my Vet, the system told me immediately that they direct bill which was good to know.
5
out of 5
POSTED: | BY: Mary-Lynn Seeley Warr
Great Experience - will keep you updated!
I just got a new puppy and wanted insurance for peace of mind and his health. After looking at many options, Trupanion stood out. I liked that I didn’t have to bundle a wellness package since you always have to budget for annual vet fees anyway. Being able to choose my own deductible made it fit my budget, and I was comfortable with the monthly fee since I selected the unlimited coverage option.
When I used the live chat feature, the customer service representative was amazing—informative, quick to respond, and even caught some missing information, which she updated for me on the spot. I also really like the direct pay option, and I’m happy to see there are vets in my area that accept it.
So far, it’s been a great experience—I just hope they continue to hold up their end of the agreement!
5
out of 5
POSTED: | BY: Valerie Lund
I phoned to get pet insurance and the…
I phoned to get pet insurance and the person was so helpful and polite. He answered all my questions. I absolutely recommend Trupanion.
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