5
out of 5
POSTED: | BY: Valeria Lartchenko
The best
Easy claim submission. Friendly service!!!
4.9
out of 5
Number of reviews 68,375
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: Sherrry Melski
Cherry eye
my puppy had "cherry eye" in the left eye and then in the right eye, 3 weeks later. Trupanion paid promptly and with no problems.
5
out of 5
POSTED: | BY: Justin
Never failed me
I've been with Trupanion for almost 4 years now, and when people ask how I like my pet insurance I only have great things to say. They are quite literally the reason my dog is still alive, as there is no way I would have been able to cover all his medical costs on my own. A couple small errors over the years that were rectified by my calling in, but they were just honest human error and were corrected quickly and easily. Note that my premiums HAVE gone up twice now in the time I have been with them, but it was a fairly small amount each time. They provided ample notice before the rate adjustments as well.
I have a 3.5years old boston terrier with ongoing allergy issues. The support Trupanion provides in covering 90% of the bills allows me to provide the proper care to my dog. The vet faxes off all the paperwork for me, and I usually get an email within 1-2 days from Trupanion saying my claim has been received, and then 2-3 days later an email saying a cheque was cut and is on its way to me. Very pleased with their service.
5
out of 5
POSTED: | BY: Laila Castellino
Best inurance plan and investment EVER!!!
I have had Trupanion pet insurance on our dog Suki since she was a puppy. We have never used the insurance until she was 6 years old and found out she had cancer in December 2012. The radiation treatment was a little over $8000 and Trupanion had covered the 90% to the Vet Specialist directly (Express Claim). This was such a relief as it was during Christmas and money was tight. Even before the cancer claim, we had another claim for Suki in September 2012 for about $1000 and Trupanion covered 90% of this claim as well. Trupanion does EXACTLY what they say and keep you informed via email and send you a cheque within 2 weeks of making your claim. I highly recommend Trupanion insurance to everyone that loves their pet. It is sad to say that I believe our dog Suki has a better medical insurance plan than what my husband or I have. People used to laugh at us for having pet insurance for our dog, but now they realize that I have saved so much money and have given our dog Suki the BEST care possible!!
5
out of 5
POSTED: | BY: Mara
Fast, simple and reliable
I would recommend Trupanion wholeheartedly to any pet owner, further I would advise any pet owner to get pet insurance in general. It sounds cheesy but it really provides peace of mind.
When our cat had to be referred to a specialist clinic, thankfully in town, it was a no-brainer. Don't get me wrong, I would have sent him to the clinic, pet insurance or not, but this way I didn't end up in debt.
When he was released home four days later being diagnosed with a very rare immune-mediated condition, we started submitting our first claims (and there were many and there are more to come). And since then I have been continually surprised by the speed the claims have been processed with. Further there haven't been any questions about the eligibility of the claims and everything was covered (of course not the vet checks and taxes but that's what you sign up for). I am so incredibly happy that we were able to - and continue to - provide the best care for our cat and don't have to think twice about it.
My cat will have to be monitored for this condition for the rest of his life and will most likely be on medication for the rest of his life. So I am thankful that we signed up with Trupanion as soon as we got him and hopefully, they will continue to be there for us along the way. Obviously, as a pet owner, you don't think that you will ever need pet insurance, but chances are you will, so sign up now.
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