5
out of 5
POSTED: | BY: ILEANE BAKER
you guys are very helpful.
having pet insurance hav help me a lot since my dog got older,she is ill a lot.Thank you
4.9
out of 5
Number of reviews 77,718
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: Suzanne Conroy
Trupanion made our choice simple
Our Corgi - Dachshund, Archer, was walking funny one night and the next barely moving and shaking and whining in pain. I had no idea what happened. I tearfully took him to an emergency vet who referred me to a neurologist. We found that Archer had a herniated disc in his back, a common dachshund issue. However, his was pretty severe as he had lost deep pain response to his tail and potentially lost control of his bladder. The team of Veterinarians caring for him were great, but we’re 50/50 on if Archer would be able to use the bathroom on his own or wag his tail again. We were so stressed and scared. The surgery and care was estimated at over $10,000 and we might have a semi handicapped dog. It was an overwhelming! When we said we had Trupanion, each Vet we saw relaxed and told us that they were great and usually covered these things. We were relieved of a bulk of the financial strain because our surgical office agreed to do direct pay with Trupanion. As it turns out, a little less than a week after surgery, Archer has regained full mobility of legs, tail and bladder function. This was our first claim after having Trupanion for two years. There was someone to answer questions 24 hours a day and they paid 90% of our bills. We paid the deductible, exam fees, taxes and 2 fees for laser therapy. I can not recommend people have Trupanion enough. It’s much easier to budget an insurance bill monthly than plan for a $10,000 bill to pop up over the weekend. Thank you Trupanion (and my husband who insisted we insure everything important to us) for making our emergency health issue for Archer more about his care and less about finances.
1
out of 5
POSTED: | BY: Jason Devenbaugh
They don’t care about your pet like they claim.
My dog hit his 30 day waiting and we filed a claim and they rejected because they claim he was still in his waiting period. Oh did they mention in the disclaimer or waiting period section that it’s based on the time of enrollment or approval nope not listed that way. List as 30 day illness waiting period. Our puppy yes puppy needs more medical test and possible surgery and they are now labeling our puppy with a preexisting condition. I would never recommend this company to anyone.
5
out of 5
POSTED: | BY: Karen DuPolantier
A great experience!
The customer service at Trupanion is phenomenal!
5
out of 5
POSTED: | BY: Marcella Short
All my love
Excellent to resolve the problem my Dog Chuchi have at the vet.
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