5
out of 5
POSTED: | BY:
Excellent experience
Direct billing is so convenient.
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:
Trupanion gives me peace of mind about my pets and I would want that for anybody in my life!
Trupanion gives me peace of mind about my pets, and I would want that for anybody in my life! When my kitten Sally needed surgery due to a spay complication, I knew I would be able to make it through the month with trupanions help.
My cat Kirby has urinary issues, and the comfort of knowing he is cared for by the trupanion team truly puts me at ease. Again, thank you Trupanion for everything you do.
5
out of 5
POSTED: | BY: K R
100% worth it
My dog tore her CCL (ACL for humans) and trupanion covered her emergency knee surgery. I don't know what I would have done without trupanion insurance. So easy to submit claims directly through my vet and have started recommending this to anyone who has a pet.
1
out of 5
POSTED: | BY: Peter Davidson PicusB Games
Denied on a technicality after 4 years of paying a premium for nothing
We've had our cat covered with Trupanion for 4 years now with a fairly expensive policy. He goes every year for a check-up save the last two due to Covid. We noticed an issue with his eating and behaviour and took him as soon as we could (literally the day the restrictions were relaxed enough to go in person). Our cat needed dental surgery for a degenerative gum disease... Nothing we could have done to prevent it either... So we took him because we were going to have to do it anyway but sure enough Trupanion denies us coverage because he missed his annual check ups for the past two years... Thanks for absolutely no value whatsoever and hinging on a technicality to avoid a payout despite the global conditions impacting everyone. I know who I won't trust to look after my pet ever again.
It is worth noting that we now have in writing that this will not impact his future coverage and my fiancee has opted to keep the insurance but forgive me for being skeptical given the current experience.
UPDATE: April 5, 2022. Unfortunately this has gone from bad to worse after the last conversation my fiancee just had with the company. Not only are they standing by their decision to not provide coverage regardless of circumstance, they are now indicating the information provided by the previous agent suggesting that Gucci will be covered going forward was incorrect and in fact the insurance is basically completely worthless and we have been paying for nothing.
Rather terrible, and again not on the people in the service facing roles but the organization as a whole and the honesty and compassion that is lacking in an industry where those should be your MO.
We are fortunate to be able to provide for our companion without insurance but I imagine this would be devastating for anyone who could not.
5
out of 5
POSTED: | BY:
Always so helpful
Always so helpful
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