5
out of 5
POSTED: | BY: Donald Albert
excellent
Very happy with your insurance program. Very efficient.
4.9
out of 5
Number of reviews 68,580
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: Wil and
Plural asperated pneumonia
On November 23, 2013 at 2:30am Bulldozer our 7 month old Rottweiler vomited in his crate. We got up with him cleaned his crate and didn't put him back in it that night. By 5:30am my husband woke me up and said the puppy didn't seem well. We took him to the care centre in Calgary we weren't sure at that point if it had been something he ate as he eats anything and everything. By the evening of November 23 they had diagnosed him with aspirated pneumonia his lungs were a mess the X-ray showed them both to be almost completely white they inserted chest tubes in both sides by the Sunday night it looked like we may lose him he did make it through the night at which point the Doctors still were not sure how he would be or if he was strong enough to survive. The staff at the care centre were amazing his primary physician is Dr. Lisa Shearer who has been amazing. Trupanion approved his treatment it has been over $40,000 so far without the trupanion and the amazing staff we would have had to put our Bulldozer to sleep. He is home now and still on antibiotics which he will be for awhile and his care is on going.
5
out of 5
POSTED: | BY: Jessie
Imsurance for 9 week old puppy
It's been about a year and half since I got my 9 week old Labradoodle and I signed up for Trupanion right away. At first I wasn't sure about insurance but thought I wouldn't want money to be the reason why I couldn't help him if he needed it. I went with Trupanion because of their flexibility and their coverage options. When my dog was nearly 4 months old we found out that he had a growth problem and a few months later we found out he had hip dysplasia. We got him from an excellent breeder and as much as we thought he would be healthy you never know with mother nature. Words can't describe the support we have received from Trupanion and what they have provided my dog. They have been very cooperative with me and my vet's office and I know that today my dog is living the best life and I know that he will continue to have that support for the rest of his life.
5
out of 5
POSTED: | BY: Camilo
Trupanion made it happen!
My buddy Tino tore a ligament in his knee,...the surgery would cost about $4000, money that i dont have. As much as the vet resisted accepting receiving payment directly from Trupanion through their Claims Express, the Trupanion reps made every effort to assure them they would receive payment and convinced the vet to take it and go ahead with the procedure! Thanks to Trupanion Tino is on the road to recovery!
5
out of 5
POSTED: | BY: Shirley Silveira
Great plan
I am so happy to have purchased a health plan for my puppy Sookie. You never expect an emergency but when it happens you will pay anything to get your baby taken care of. I had acclaim that cost nearly $2000.00 and thanks to Trupanion I got a good portion of that back. I am so happy that Trupanion really does take care of your pets.
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