5
out of 5
POSTED: | BY: Leonard Leyba
Extremely fast and responsive
Extremely fast and responsive claims process and resolution.
4.9
out of 5
Number of reviews 74,126
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: Debra Hoopingarner
Highly Recommend this Pet Insurance Company.
I have a 2 year and 9 months year old Maltese who has had severe stomach issues in the recent past and I have made multiple claims. This insurance is great. Pays as set in your policy. Extremely easy claim process. Many option when setting up your policy. In the past before there was Trupanion, I had the only other pet insurance for my dog (s)and it wasn't near as good as Trupanion Pet Insurance.
5
out of 5
POSTED: | BY: Lee Malloy
Fast, efficient response to claims and caring attitude by staff.
Fast, efficient, caring service.
5
out of 5
POSTED: | BY: Sandra
Incredible company!
First, I ALWAYS recommend Trupanion. To new dog owners, at the dog park, wherever I can... I signed up with my Basset Hound in 2005. Back then in Canada there weren't many to choose from. I did all the research and chose Trupanion because after reading all the 'fine print' of all the companies, Trupanion was by far and wide THE BEST option. They STILL are, which is why I have recently signed up my new furry child. Which reminds me... they also value and reward loyalty. I got a discount for having been with them so long and signing up my new puppy after my other 'puppy' passed away.
Second, I have done pet rescue interviews and through 'real life' comparisons via those conversations, Trupanion is far superior.
Third, my Lucy has quite a few health issues and so saw many Specialists and medical facilities. Often when those places fill out the paperwork, it is mentioned to me by the staff that Trupanion is the best of all out there.
Fourth, As mentioned Lucy had health issues, especially near the end. Trupanion always paid quickly (quicker I hear than most others, if not the quickest) without ANY hassle, there was never the feeling of 'me vs. them'. Contrary, it was more of a feeling that we were a team trying to do the best for Lucy. Which brings me to the next point...
Fifth, The employees are ALWAYS friendly and you can tell there is a real engagement these people have in their positions. There is a real sense that yes, they are a business but, they care about your pet first and foremost. The first question when you call is always about your pet and how they are doing. I once had an issue where my claims couldn't get through their servers (in fairness, I kept the whole year's worth and sent all at once). They were on the problem, had it solved within the day giving me an alternative for sending in the meantime and then followed up with me a couple weeks later to inform me they had fixed the issue and what they did to fix it.
I hardly [if ever] give perfect scores in a survey however, in all my years with this company I have experienced nothing but, professionalism, caring and promptness. I can't actually think of any problem I have had with this company. If there was an option for more than 10, they would get it.
My sister [who is skeptical of insurance companies] after hearing everything said "are you sure this is an insurance company?" and now recommends Trupanion to people she encounters, which is many considering she is involved in pet rescue.
Well done Trupanion... You have shown that it IS possible to care about the client while at the same time achieve the goals of the company.. and thank you!
5
out of 5
POSTED: | BY: Peter Sa
Good experience
Good experience when submitting claims.
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