5
out of 5
POSTED: | BY: Rosalie Dunmire
Jack
The claims process was simple & easy
4.9
out of 5
Number of reviews 60,507
Updated: May 29, 2024
Pets can be full of surprises-so their insurance coverage shouldn’t be. That’s why Trupanion 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.
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.
To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month.
1 Based on a November 2020 internal study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy.
* Terms and Conditions apply. Policy details vary by state, please review your states policy for full coverage details. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay.
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.
Source: Survey commissioned by dvm360, from April 19-June 9, 2022
5
out of 5
POSTED: | BY: Heather Prittie
Trupanion had our backs when surgeons saved Darwin
Darwin, a very large golden doodle, has a very simple rule: all toys are mine. Playing in the off-leash enclosure near our home, he greedily grabbed two balls with his gigantic jaws. As we tried to remove them (and return them to their owners) we all noticed that yet a third one seemed to be missing. It couldn't be found. We suspected he may have swallowed it in his determination not to give the toys back. We took him to the vet's for an X-ray. It showed nothing. Although we weren't convinced, his behaviour and health were completely normal, week after week. We eventually concluded our fears were groundless. Then, an astonishing 6 months later, he began vomiting and collapsed (and had lost 10 pounds from his usual 100). He was rushed to Canada West Veterinary Specialists, where the amazing surgeons found a soft, very compressible "whiffle" type toy (with holes in it for treats) was lodged in his abdomen, with lining of stomach growing into the holes. It was dire, and we were told he might not make it. But those surgeons are very skilled - they saved him, removing 20% of his stomach. He has made a full recovery. It was a horrendous couple of days...made much more bearable knowing Trupanion had our backs. I have told countless people about the advisability of pet insurance, and how fantastic the service is. We are very grateful.
5
out of 5
POSTED: | BY: Robert fisher
The best pet insurance company
Trupanion walks its talk! I hoped we would never need to use our pet insurance for Lovie , our 16 month old Bulldog ; but we did. And you know what? When I got the check in the mail from Trupanion , I knew right then why I chose Trupanion. There are no gimmicks in its policy . They want to live up to our expectations . It's a remarkable and much appreciated organization. Robert Fisher
5
out of 5
POSTED: | BY: Aaron
Amazing company!
We have a bulldog that REALLY likes socks. He ate several of them and suffered a complete GI blockage. After the first emergency surgery to remove the blockage he went into shock and needed a second surgery. One blood plasma injection and six days in intensive care later and he was well on his way to recovery.
The total cost was around 16k and Trupanion paid their share within a few weeks of the claim. I'm so glad we didn't have to make a life-or-death decision for our little guy due to financial reasons. Do yourself a favor and buy insurance for your pet. I can't say enough good things about Trupanion and I recommend them to every pet owner I meet.
5
out of 5
POSTED: | BY: Sue
Wish human health insurance was this easy!
When the vet recommended pet insurance my immediate thought was not another bill. Let me tell you, this is best thing you can do for yourself and your pet! It is a simple, yet cost effective way of managing your pets health. In the event a major illness or if an accident occurs your not left to make the difficult decision of having your animal suffer or worse yet be put down because you cannot afford the major life saving procedure(s) that makes difference of a happier outcome. You decide your deductible based on what you can afford. It is not a one size fits all situation. Claims are handled professionally and the customer service is great. You speak to a human, what a concept! We tend to forget animals age faster than we do by leaps and bounds, sign up when they are young and enjoy peace of mind.
Monthly Cost
Your monthly premium is determined by multiple factors including your pet’s species, gender, breed, age, zip code, and the deductible amount you choose if your policy allows.
Coverage
Depending on your plan, the Trupanion policy pays up to 100% of your vet bill for all eligible expenses. There are unlimited payout limits, always and Trupanion will never increase or cancel your coverage because of claims you submit. Coverage includes new accidents and illnesses, hereditary, congenital, and chronic conditions, diagnostic tests, hospital stays, and much more. Trupanion prides itself on paying out more on the dollar than any other provider and has paid out nearly $2 billion in claims to date.
Payout Limits
The Trupanion policy* has no payout limits, so whether your pet needs one quick visit or a lifetime of care, your coverage won’t quit.
That can mean a big difference if your pet develops a chronic condition requiring extended care like allergies, diabetes, or even cancer.
Deductible
If your Trupanion policy has a deductible, you can customize it to fit your budget. You can choose from $50 to $1,000 in increments of $5, or choose to have no deductible at all. Trupanion deductibles are per-condition and good for the life of your pet. That means no annual resets-once a deductible is met, you never have to pay the deductible for that condition again.
Age Limits
All new pets can enroll from birth until their 14th birthday. Once your pet is enrolled, they can be enrolled for life
Waiting Period
Waiting periods vary by state. Please see your states policy for full coverage details.
However, 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 many other pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early!
* Terms and Conditions apply. Coverage may vary by state. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay.
Underwritten in Canada by Omega General Insurance Company and GPIC Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Please visit AmericanPetInsurance.com to review all available pet health insurance products.
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.
We’re committed to sharing industry data, supporting animal welfare organizations, and working with federal and state regulators to help more pets get better care.
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
Nearly $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