5
out of 5
POSTED: | BY: Lisa
Satisfied Customer
Simple to use, fast response time
4.9
out of 5
Number of reviews 60,506
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: Garth Knudsen
Excellent Service
In my 75 years I have only experienced two companies who live up to their Advertising one is Trupanion (the other is Michelin X ICE tires)I would recommended your company to ANYONE
Most in surance cos promise the world but offer every conceivable excuse to lessen or refuse claims
5
out of 5
POSTED: | BY: Jodie Fry
Trupanion is a lifesaver with True Compassion!
Dogs have been a part of our family for over 30 years, but we never even thought of buying pet insurance until adopting our Bernese Mountain Dog puppy last year. We knew this breed had a history of cancer over time, so we elected to purchase Trupanion insurance coverage in order to have options, should we be faced with hard treatment choices.
What we didn't know is that at 8 months of age our puppy would suffer with seizures and would soon be diagnosed with epilepsy. MRI's and other diagnostic tests are pricey. The medications are beyond expensive and will be lifelong.
Purchasing Trupanion early-on was a stroke of genius, even though we didn't know it at the time. Not only have they provided extremely rapid approvals and reimbursements for our dog's care, they do so with extremely personalized and professional service. They communicate with true compassion.
We are so grateful to be able to make medical choices for our dog that are based on his needs and not the price. This is all because of the exceptional coverage, care and compassion of the folks at Trupanion.
1
out of 5
POSTED: | BY: Julia Fitzsimmons
Wrong one
Dr's visits are not covered, nor is the tax or 10% of everything else. After the $300.00 deductible has been reached I was left with a hefty bill. Though there are no limits on this plan I now think I chose the wrong plan as there will be a $300.00 deductible on every illness.
5
out of 5
POSTED: | BY: Susanne Adkins
Best Insurance We've Ever Had!
Our vet told us about Trupanion when we asked if any insurance would cover more than the insurance we had at that time. He said he doesn't know the details bcs they don't get involved with insurance papers, but from what he's heard from his clients, Trupanion is the one that they said pays the most, the fastest. And it's true! We LOVE Trupanion; wish we started with them all the years we wasted on our previous mediocre insurance company!
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