5
out of 5
POSTED: | BY: Jennifer
Torn ligament
My dog needing surgery for his torn ligament his left rear leg
4.9
out of 5
Number of reviews 60,489
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: Shari
I am very impressed with Trupanion.
When I got my puppy I wanted pet insurance. My prior dog had died of cancer so I knew that pretty much anything medically you could do for a human you could do for a dog. Put in a similar situation,I did not want to have to make medical decisions based on my ability to pay for care. Enter pet insurance. It is not cheap to have but it is a great safety net. My vet recommended Trupanion based on her experience with pet insurance companies.That influenced my choice but I also did a lot of independent research before deciding on Trupanion. I could not be happier with Trupanion. They have covered illness and accidents (life with a busy puppy). Any time I have called with a question there has been a knowledgeable person on the other end of the phone line. One time they rejected a claim. My vet wrote an appeal explaining why their analysis was incorrect. The claim was reviewed and they accepted the claim. I recommend Trupanion with no reservations.
5
out of 5
POSTED: | BY: Lexi
Awesome!!!!!
Great service and no hassle!
5
out of 5
POSTED: | BY: Allison
Trupanion was Exceptional
Great service. I still cant believe how fast and easy it was. They were so pleasant to deal with. I usually feel like insurance companies just want to look for loop holes and reasons not to pay or to delay, but Trupanion was AWESOME.
5
out of 5
POSTED: | BY: Leysa Dole
Trupanion is the best!!
First of all I would like to thank Trupanion for allowing me to be able to take top quality care of my beloved Bob! Trupanion follows through with their promises and delivers fast results with perfect customer service.My vet works directly with Trupanion so it takes all the already stressful time off my shoulders and I don't have to worry about money because I know Trupanion is there. They keep the monthly premiums so affordable for anyone's budget so a person can be able to take care of their wonderful pets,thank-you for that! And thank-you as well to my amazing vet at Foothills Veterinary Clinic in Buckley, WA. Dr.Vetter,Kathy and all the caring staff for your willingness to work with Trupanion directly for me and Bob.I will never be without Trupanion!
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